Date: (Fri) Oct 21, 2016

Introduction:

Data: Source: Training: http://catalog.data.gov/dataset/consumer-complaint-database
New: None
Time period:

Synopsis:

Based on analysis utilizing <> techniques, :

Background

US Federal Government: Bureau of Consumer Financial Protection (CFPB): Consumer Complaint Database: Metadata Updated: Sep 26, 2015

CFPB can increase its effectiveness & customer satisfaction by minimizing disputes escalated by consumers when businesses initially respond to conusmer complaints in a timely manner.

The objective is to create a classifier that predicts if a specific customer will dispute a complaint with a bank: Consumer Dispute? (Yes or No).

The observations are complaints CFPB received about financial products and services from US residents.

Results

  • Display ggtile plot of Test data frame observations

  • Display ggtile plot of Validation data frame observations

  • Display AUC Curve

  • Display classifier threshold selection plot

[](.png)

Summary of key steps & error improvement stats:

Potential next steps include:

  • Feature Engineering:
  • DateRecieved, DateSenttocompany:
    • Add Federal, State & City holidays for each year
    • Add number of complaints received and sent for this complaint’s date
  • Product: Include all & create product groups to minimize model stacks

  • NLP: Issue, SubIssue, “Consumercomplaintnarrative”, “Companypublicresponse”
  • Company:
    • Identify Industry based on stock / Dun & Bradstreet listing
    • Create clusters based on Product, Subproduct & Company
  • Test options
  • Preprocessing (center, scaling, PCA, etc.)
  • Resampling (Boot strapping, LGOCV, etc.)
  • Ensemble models

Analysis:

rm(list = ls())
set.seed(12345)
options(stringsAsFactors = FALSE)
source("~/Dropbox/datascience/R/mycaret.R")
source("~/Dropbox/datascience/R/mypetrinet.R")
source("~/Dropbox/datascience/R/myplclust.R")
source("~/Dropbox/datascience/R/myplot.R")
source("~/Dropbox/datascience/R/myscript.R")
source("~/Dropbox/datascience/R/mytm.R")
if (is.null(knitr::opts_current$get(name = 'label'))) # Running in IDE
    debugSource("~/Dropbox/datascience/R/mydsutils.R") else
    source("~/Dropbox/datascience/R/mydsutils.R")    
## Loading required package: proxy
## 
## Attaching package: 'proxy'
## The following objects are masked from 'package:stats':
## 
##     as.dist, dist
## The following object is masked from 'package:base':
## 
##     as.matrix
## Loading required package: caret
## Loading required package: lattice
# Gather all package requirements here
suppressPackageStartupMessages(require(doMC))
glbCores <- 10 # of cores on machine - 2
registerDoMC(glbCores) 

suppressPackageStartupMessages(require(caret))
require(plyr)
## Loading required package: plyr
require(dplyr)
## Loading required package: dplyr
## 
## Attaching package: 'dplyr'
## The following objects are masked from 'package:plyr':
## 
##     arrange, count, desc, failwith, id, mutate, rename, summarise,
##     summarize
## The following objects are masked from 'package:stats':
## 
##     filter, lag
## The following objects are masked from 'package:base':
## 
##     intersect, setdiff, setequal, union
require(knitr)
## Loading required package: knitr
require(stringr)
## Loading required package: stringr
#source("dbgcaret.R")
#packageVersion("snow")
#require(sos); findFn("complete", maxPages=2, sortby="MaxScore")

# Analysis control global variables
# Inputs
#   url/name = "<PathPointer>"; if url specifies a zip file, name = "<filename>"; 
#               or named collection of <PathPointer>s
#   sep = choose from c(NULL, "\t")
#glbObsTrnFile <- list(url = "http://catalog.data.gov/dataset/consumer-complaint-database"
glbObsTrnFile <- list(name = "Consumer_Complaints.csv"
    # or list(url = c(NULL, <.inp1> = "<path1>", <.inp2> = "<path2>"))
    , splitSpecs = list(method = "condition" # default when glbObsNewFile is NULL
    #                       select from c("copy", NULL ???, "condition", "sample", )
    #                      ,nRatio = 0.3 # > 0 && < 1 if method == "sample" 
    #                      ,seed = 123 # any integer or glbObsTrnPartitionSeed if method == "sample" 
                         ,condition = 'Consumerdisputed == ""'# or 'is.na(<var>)'; '<var> <condition_operator> <value>'
                         )
    )                   
 
glbObsNewFile <- NULL # default OR list(url = "None") 

glbObsDropCondition <- #NULL # : default
#   enclose in single-quotes b/c condition might include double qoutes
#       use | & ; NOT || &&    
#   '<condition>' 
#  '(glbObsAll[, "Product"] %in% c("Mortgage", "Debt collection", "Credit reporting", "Credit card", "Bank account or service", NULL, "Payday loan", "Money transfers", "Prepaid card", "Other financial service", "Virtual currency")) '
 '(!(glbObsAll[, "Product"] %in% c("Prepaid card")))'

glb_obs_repartition_train_condition <- NULL # : default
#    "<condition>" 

glb_max_fitobs <- NULL # or any integer
glbObsTrnPartitionSeed <- 123 # or any integer
                         
glb_is_regression <- FALSE; glb_is_classification <- !glb_is_regression; 
    glb_is_binomial <- TRUE # or TRUE or FALSE

glb_rsp_var_raw <- "Consumerdisputed"

# for classification, the response variable has to be a factor
glb_rsp_var <- "CDisputed.fctr"

# if the response factor is based on numbers/logicals e.g (0/1 OR TRUE/FALSE vs. "A"/"B"), 
#   or contains spaces (e.g. "Not in Labor Force")
#   caret predict(..., type="prob") crashes
glb_map_rsp_raw_to_var <- #NULL 
function(raw) {
#     return(raw ^ 0.5)
#     return(log(raw))
#     return(log(1 + raw))
#     return(log10(raw)) 
#     return(exp(-raw / 2))
#     
# chk ref value against frequencies vs. alpha sort order
    ret_vals <- rep_len(NA, length(raw)); 
    ret_vals[raw != ""] <- ifelse(raw[raw != ""] == "Yes", "Y", "N");
    return(relevel(as.factor(ret_vals), ref="N"))
#
#     as.factor(paste0("B", raw))
#     as.factor(gsub(" ", "\\.", raw))    
    }

#if glb_rsp_var_raw is numeric:
#print(summary(glbObsAll[, glb_rsp_var_raw]))
#glb_map_rsp_raw_to_var(tst <- c(NA, as.numeric(summary(glbObsAll[, glb_rsp_var_raw])))) 

#if glb_rsp_var_raw is character:
#print(table(glbObsAll[, glb_rsp_var_raw], useNA = "ifany"))
#print(table(glb_map_rsp_raw_to_var(tst <- glbObsAll[, glb_rsp_var_raw]), useNA = "ifany")) 

glb_map_rsp_var_to_raw <- #NULL 
function(var) {
#     return(var ^ 2.0)
#     return(exp(var))
#     return(10 ^ var) 
#     return(-log(var) * 2)
#     as.numeric(var)
    levels(var)[as.numeric(var)]
#     sapply(levels(var)[as.numeric(var)], function(elm) 
#         if (is.na(elm)) return(elm) else
#         if (elm == 'R') return("Republican") else
#         if (elm == 'D') return("Democrat") else
#         stop("glb_map_rsp_var_to_raw: unexpected value: ", elm)
#         )  
#     gsub("\\.", " ", levels(var)[as.numeric(var)])
#     c("<=50K", " >50K")[as.numeric(var)]
#     c(FALSE, TRUE)[as.numeric(var)]
}
#print(table(glb_map_rsp_var_to_raw(glb_map_rsp_raw_to_var(tst)), useNA = "ifany"))

if ((glb_rsp_var != glb_rsp_var_raw) && is.null(glb_map_rsp_raw_to_var))
    stop("glb_map_rsp_raw_to_var function expected")

# List info gathered for various columns
# <col_name>:   <description>; <notes>
# "Datereceived":
# "Product":
# "Subproduct":
# "Issue":                     
# "Subissue":
# "Consumercomplaintnarrative":
# "Companypublicresponse":
# "Company":              
# "State":
# "ZIPcode":                   
# "Tags":
# "Consumerconsentprovided":   
# "Submittedvia":
# "Datesenttocompany":         
# "Companyresponsetoconsumer":
# "Timelyresponse":            
# "Consumerdisputed": "", "No", "Yes"; glb_rsp_var_raw
# "ComplaintID": glbFeatsId

# currently does not handle more than 1 column; consider concatenating multiple columns
# If glbFeatsId == NULL, ".rownames <- as.numeric(row.names())" is the default
glbFeatsId <- "ComplaintID" # choose from c(NULL : default, "<id_feat>") 
glbFeatsCategory <- "gSPrd.fctr" #NULL # choose from c(NULL : default, "<category_feat>")

# User-specified exclusions
glbFeatsExclude <- c(NULL
#   Feats that shd be excluded due to known causation by prediction variable
# , "<feat1", "<feat2>"
#   Feats that are factors with unique values (as % of nObs) > 49 (empirically derived)
#   Feats that are linear combinations (alias in glm)
#   Feature-engineering phase -> start by excluding all features except id & category & 
#       work each one in
, "Datereceived"
, "Product"
, "Subproduct"
, "Issue"
, "Subissue"
, "Consumercomplaintnarrative"
, "Companypublicresponse"
, "Company"
, "State"
, "ZIPcode"
, "Tags"
, "Consumerconsentprovided"
, "Submittedvia"
, "Datesenttocompany"
, "Companyresponsetoconsumer"
#, "Timelyresponse"

, ".pos"
, "ComplaintID" 
, "Datereceived.POSIX"      # this should be in extract_dates
, "Datesenttocompany.POSIX"
, "Datereceived.zoo"      # this should be in extract_dates
, "Datesenttocompany.zoo"
                    ) 
if (glb_rsp_var_raw != glb_rsp_var)
    glbFeatsExclude <- union(glbFeatsExclude, glb_rsp_var_raw)                    

glbFeatsInteractionOnly <- list()
#glbFeatsInteractionOnly[["<child_feat>"]] <- "<parent_feat>"

glbFeatsDrop <- c(NULL
                # , "<feat1>", "<feat2>"
                )

glb_map_vars <- NULL # or c("<var1>", "<var2>")
glb_map_urls <- list();
# glb_map_urls[["<var1>"]] <- "<var1.url>"

# Derived features; Use this mechanism to cleanse data ??? Cons: Data duplication ???
glbFeatsDerive <- list();

# glbFeatsDerive[["<feat.my.sfx>"]] <- list(
#     mapfn = function(<arg1>, <arg2>) { return(function(<arg1>, <arg2>)) } 
#   , args = c("<arg1>", "<arg2>"))
#myprint_df(data.frame(ImageId = mapfn(glbObsAll$.src, glbObsAll$.pos)))
#data.frame(ImageId = mapfn(glbObsAll$.src, glbObsAll$.pos))[7045:7055, ]

    # character
glbFeatsDerive[["Sent.Recd.Dys"]] <- list(
    mapfn = function(raw1, raw2) { return(as.numeric(difftime(strptime(raw1, format = "%m/%d/%Y"),  strptime(raw2, format = "%m/%d/%Y"), units = "days"))) }
  , args = c("Datesenttocompany", "Datereceived"))
#smp <- mapfn(head(glbObsAll$Datesenttocompany), head(glbObsAll$Datereceived))

glbFeatsDerive[["gSPrd.fctr"]] <- list(
    mapfn = function(raw1) { raw <- gsub(" ", "", raw1);
      retVal <- dplyr::recode_factor(raw, 
        "ElectronicBenefitTransfer/EBTcard" = "Other",
        "Transitcard" = "Other",
        "Otherspecialpurposecard" = "Other"
                                     )
      return(factor(retVal))
    }
  , args = c("Subproduct"))
#smp <- mapfn(subset(glbObsAll, Product %in% "Prepaid card")$Subproduct); print(table(smp, useNA = "ifany"))

glbFeatsDerive[["gCompany"]] <- list(
    mapfn = function(raw1) { 
      # Freq 1
      raw <- gsub("(Woods Oviatt Gilman LLP|Washington Federal|Umpqua Holdings Corporation|USAA Savings|UMB Bank|TCF National Bank|Pay-O-Matic|New York Community Bank|Moneytree Inc|Goldman Sachs Bank USA|First Citizens|Equifax|Enova International, Inc\\.|ERC|Circle Internet Financial|Check into Cash, Inc\\.|CashCall, Inc\\.|Barclays PLC|Banco Popular North America|BMO Harris|Atlanticus Services Corporation|Arvest Bank)", "Other", raw1);
      # Freq 2
      raw <- gsub("(Pentagon FCU|MB Financial, INC|Fidelity National Information Services, Inc\\. \\(FNIS\\)|Encore Capital Group|Discover|BBVA Compass)", "Other", raw);
      # raw <- gsub("(Discover|BBVACompass)", "Other", raw);                       
      # Freq 3
      raw <- gsub("(Travelex NY, Inc\\.|Plastyc, Inc\\.|HSBC North America Holdings Inc\\.|Continental Finance Company, LLC|BB&T Financial|Automatic Data Processing, Inc\\.|ACE Cash Express Inc\\.)", "Other", raw);
      # Freq 4-9
      raw <- gsub("(MoneyGram|KeyBank NA|Citizens Financial Group, Inc\\.|PLS GROUP, INC|CARD Corporation|SunTrust Banks, Inc\\.|Regions Financial Corporation|Synovus Bank|Fifth Third Financial Corporation)", "Other", raw);
      # Freq >= 10 < 20
      raw <- gsub("(The Western Union Company|TD Bank US Holding Company|PNC Bank N\\.A\\.|First Tennessee Bank|Synchrony Financial|JPay Inc\\.|Capital One)", "Other", raw);
      # Freq >= 20 < 100
      raw <- gsub("(Google Inc\\.|Wells Fargo & Company|First Data Corporation|JPMorgan Chase & Co\\.|Incomm Holdings, Inc\\.|Bank of America)", "Other", raw);
      return(gsub(" ", "", raw))
      #return(raw)      
    }
  , args = c("Company"))
#smp <- mapfn(subset(glbObsAll, Product %in% "Prepaid card")$Company); print(sort(table(smp, useNA = "ifany"), decreasing = TRUE))

glbFeatsDerive[["Rgn.Dvn"]] <- list(
    mapfn = function(raw1) { raw <- gsub(" ", "XX", raw1, fixed = TRUE);
      raw <- gsub("(CT|ME|MA|NH|RI|VT)", "NE#NewEngland", raw);
      raw <- gsub("(NJ|NY|PA)", "NE#MidAtlantic", raw);
      raw <- gsub("(IL|IN|MI|OH|WI)", "MW#EastNorthCentral", raw);
      raw <- gsub("(IA|KS|MN|MO|NE|ND|SD)", "MW#WestNorthCentral", raw);
      raw <- gsub("(DE|FL|GA|MD|NC|SC|VA|DC|WV)", "SH#SouthAtlantic", raw);
      raw <- gsub("(AL|KY|MS|TN)", "SH#EastSouthCentral", raw);
      raw <- gsub("(AR|LA|OK|TX)", "SH#WestSouthCentral", raw);
      raw <- gsub("(AZ|CO|ID|MT|NV|NM|UT|WY)", "WT#Mountain", raw);
      raw <- gsub("(AK|CA|HI|OR|WA)", "WT#Pacific", raw);
      raw[!grepl("#", raw)] <- "OT#Other"; 
      return(raw) }
  , args = c("State"))
#smp <- mapfn(glbObsAll$State); print(sort(table(smp, useNA = "ifany")))

glbFeatsDerive[["gTags"]] <- list(
    mapfn = function(raw1) { raw <- gsub("( |,)", "", raw1);
      raw[raw == ""] <- "Other";
      return(raw) }
  , args = c("Tags"))
#smp <- mapfn(glbObsAll$Tags); print(sort(table(smp, useNA = "ifany")))

glbFeatsDerive[["gCConsent"]] <- list(
    mapfn = function(raw1) { raw <- gsub("( |/)", "", raw1);
      raw[raw == ""] <- "NA";
      return(raw) }
  , args = c("Consumerconsentprovided"))
#smp <- mapfn(glbObsAll$Consumerconsentprovided); print(sort(table(smp, useNA = "ifany")))

glbFeatsDerive[["Channel"]] <- list(
    mapfn = function(raw1) { raw <- gsub(" ", "", raw1, fixed = TRUE);
      return(raw) }
  , args = c("Submittedvia"))
#smp <- mapfn(glbObsAll$Submittedvia); print(sort(table(smp, useNA = "ifany")))

glbFeatsDerive[["Response"]] <- list(
    mapfn = function(raw1) { raw <- gsub(" ", "", raw1, fixed = TRUE);
      return(raw) }
  , args = c("Companyresponsetoconsumer"))
#smp <- mapfn(glbObsAll$Companyresponsetoconsumer); print(sort(table(smp, useNA = "ifany")))

#     mapfn = function(Education) { raw <- Education; raw[is.na(raw)] <- "NA.my"; return(as.factor(raw)) } 
#     mapfn = function(Week) { return(substr(Week, 1, 10)) }
#     mapfn = function(Name) { return(sapply(Name, function(thsName) 
#                                             str_sub(unlist(str_split(thsName, ","))[1], 1, 1))) } 

#     mapfn = function(descriptor) { return(plyr::revalue(descriptor, c(
#         "ABANDONED BUILDING"  = "OTHER",
#         "**"                  = "**"
#                                           ))) }

#     mapfn = function(description) { mod_raw <- description;
    # This is here because it does not work if it's in txt_map_filename
#         mod_raw <- gsub(paste0(c("\n", "\211", "\235", "\317", "\333"), collapse = "|"), " ", mod_raw)
    # Don't parse for "." because of ".com"; use customized gsub for that text
#         mod_raw <- gsub("(\\w)(!|\\*|,|-|/)(\\w)", "\\1\\2 \\3", mod_raw);
    # Some state acrnoyms need context for separation e.g. 
    #   LA/L.A. could either be "Louisiana" or "LosAngeles"
        # modRaw <- gsub("\\bL\\.A\\.( |,|')", "LosAngeles\\1", modRaw);
    #   OK/O.K. could either be "Oklahoma" or "Okay"
#         modRaw <- gsub("\\bACA OK\\b", "ACA OKay", modRaw); 
#         modRaw <- gsub("\\bNow O\\.K\\.\\b", "Now OKay", modRaw);        
    #   PR/P.R. could either be "PuertoRico" or "Public Relations"        
        # modRaw <- gsub("\\bP\\.R\\. Campaign", "PublicRelations Campaign", modRaw);        
    #   VA/V.A. could either be "Virginia" or "VeteransAdministration"        
        # modRaw <- gsub("\\bthe V\\.A\\.\\:", "the VeteranAffairs:", modRaw);
    #   
    # Custom mods

#         return(mod_raw) }

    # numeric
# Create feature based on record position/id in data   
glbFeatsDerive[[".pos"]] <- list(
    mapfn = function(raw1) { return(1:length(raw1)) }       
    , args = c(".rnorm"))    
# glbFeatsDerive[[".pos.y"]] <- list(
#     mapfn = function(raw1) { return(1:length(raw1)) }       
#     , args = c(".rnorm"))    

# Add logs of numerics that are not distributed normally
#   Derive & keep multiple transformations of the same feature, if normality is hard to achieve with just one transformation
#   Right skew: logp1; sqrt; ^ 1/3; logp1(logp1); log10; exp(-<feat>/constant)
# glbFeatsDerive[["WordCount.log1p"]] <- list(
#     mapfn = function(WordCount) { return(log1p(WordCount)) } 
#   , args = c("WordCount"))
# glbFeatsDerive[["WordCount.root2"]] <- list(
#     mapfn = function(Sent.Recd.Dys) { return(WordCount ^ (1/2)) } 
#   , args = c("WordCount"))
# glbFeatsDerive[["WordCount.nexp"]] <- list(
#     mapfn = function(WordCount) { return(exp(-WordCount)) } 
#   , args = c("WordCount"))
#print(summary(glbObsAll$WordCount))
#print(summary(mapfn(glbObsAll$WordCount)))
    
glbFeatsDerive[["Sent.Recd.Dys.log1p"]] <- list(
    mapfn = function(raw1) { return(log1p(raw1 + 2)) } # Account for < -1
  , args = c("Sent.Recd.Dys"))
glbFeatsDerive[["Sent.Recd.Dys.root2"]] <- list(
    mapfn = function(raw1) { return((raw1 + 2) ^ (1/2)) }
  , args = c("Sent.Recd.Dys"))
glbFeatsDerive[["Sent.Recd.Dys.nexp"]] <- list(
    mapfn = function(raw1) { return(exp(-raw1)) }
  , args = c("Sent.Recd.Dys"))
#print(summary(glbObsAll$Sent.Recd.Dys)); print(summary(mapfn(glbObsAll$Sent.Recd.Dys)))
    
# If imputation shd be skipped for this feature
# glbFeatsDerive[["District.fctr"]] <- list(
#     mapfn = function(District) {
#         raw <- District;
#         ret_vals <- rep_len("NA", length(raw)); 
#         ret_vals[!is.na(raw)] <- sapply(raw[!is.na(raw)], function(elm) 
#                                         ifelse(elm < 10, "1-9", 
#                                         ifelse(elm < 20, "10-19", "20+")));
#         return(relevel(as.factor(ret_vals), ref = "NA"))
#     }
#     mapfn = function(raw1) { raw <- 2016 - raw1; 
#         # raw[!is.na(raw) & raw >= 2010] <- NA
#         raw[!is.na(raw) & (raw <= 15)] <- NA
#         raw[!is.na(raw) & (raw >= 90)] <- NA        
#         retVal <- rep_len("NA", length(raw))
#         # breaks = c(1879, seq(1949, 1989, 10), 2049)
#         # cutVal <- cut(raw[!is.na(raw)], breaks = breaks, 
#         #               labels = as.character(breaks + 1)[1:(length(breaks) - 1)])
#         cutVal <- cut(raw[!is.na(raw)], breaks = c(15, 20, 25, 30, 35, 40, 50, 65, 90))
#         retVal[!is.na(raw)] <- levels(cutVal)[cutVal]
#         return(factor(retVal, levels = c("NA"
#                 ,"(15,20]","(20,25]","(25,30]","(30,35]","(35,40]","(40,50]","(50,65]","(65,90]"),
#                         ordered = TRUE))
#     }       
#     , args = c("District"))    

# If imputation of missing data is not working ...
# glbFeatsDerive[["FertilityRate.nonNA"]] <- list(
#     mapfn = function(FertilityRate, Region) {
#         RegionMdn <- tapply(FertilityRate, Region, FUN = median, na.rm = TRUE)
# 
#         retVal <- FertilityRate
#         retVal[is.na(FertilityRate)] <- RegionMdn[Region[is.na(FertilityRate)]]
#         return(retVal)
#     }
#     , args = c("FertilityRate", "Region"))

# for (qsn in grep("Q12", glbFeatsExclude, fixed = TRUE, value = TRUE))    
#     glbFeatsDerive[[paste0(qsn, ".fctr")]] <- list(
#         mapfn = function(raw1) {
#             raw1[raw1 %in% ""] <- "NA"
#             rawVal <- unique(raw1)
#             
#             if (length(setdiff(rawVal, (expVal <- c("NA", "No", "Ys")))) == 0) {
#                 raw1 <- gsub("Yes", "Ys", raw1, fixed = TRUE)
#                 if (length(setdiff(rawVal, expVal)) > 0)
#                     stop(qsn, " vals: ", paste0(rawVal, collapse = "|"), 
#                          " does not match expectation: ", paste0(expVal, collapse = "|"))
#             } else
#             if (length(setdiff(rawVal, (expVal <- c("NA", "Private", "Public")))) == 0) {
#                 raw1 <- gsub("Private", "Pt", raw1, fixed = TRUE)
#                 raw1 <- gsub("Public" , "Pc", raw1, fixed = TRUE)                
#                 if (length(setdiff(rawVal, expVal)) > 0)
#                     stop(qsn, " vals: ", paste0(rawVal, collapse = "|"), 
#                          " does not match expectation: ", paste0(expVal, collapse = "|"))
#             }
#             
#             return(relevel(as.factor(raw1), ref = "NA"))
#         }
#         , args = c(qsn))
    
#     mapfn = function(HOSPI.COST) { return(cut(HOSPI.COST, 5, breaks = c(0, 100000, 200000, 300000, 900000), labels = NULL)) }     
#     mapfn = function(Rasmussen)  { return(ifelse(sign(Rasmussen) >= 0, 1, 0)) } 
#     mapfn = function(startprice) { return(startprice ^ (1/2)) }       
#     mapfn = function(startprice) { return(log(startprice)) }   
#     mapfn = function(startprice) { return(exp(-startprice / 20)) }
#     mapfn = function(startprice) { return(scale(log(startprice))) }     
#     mapfn = function(startprice) { return(sign(sprice.predict.diff) * (abs(sprice.predict.diff) ^ (1/10))) }        

    # factor      
#     mapfn = function(PropR) { return(as.factor(ifelse(PropR >= 0.5, "Y", "N"))) }
#     mapfn = function(productline, description) { as.factor(gsub(" ", "", productline)) }
#     mapfn = function(purpose) { return(relevel(as.factor(purpose), ref="all_other")) }
#     mapfn = function(raw) { tfr_raw <- as.character(cut(raw, 5)); 
#                             tfr_raw[is.na(tfr_raw)] <- "NA.my";
#                             return(as.factor(tfr_raw)) }
#     mapfn = function(startprice.log10) { return(cut(startprice.log10, 3)) }
#     mapfn = function(startprice.log10) { return(cut(sprice.predict.diff, c(-1000, -100, -10, -1, 0, 1, 10, 100, 1000))) }    

#     , args = c("<arg1>"))
    
    # multiple args
#     mapfn = function(id, date) { return(paste(as.character(id), as.character(date), sep = "#")) }        
#     mapfn = function(PTS, oppPTS) { return(PTS - oppPTS) }
#     mapfn = function(startprice.log10.predict, startprice) {
#                  return(spdiff <- (10 ^ startprice.log10.predict) - startprice) } 
#     mapfn = function(productline, description) { as.factor(
#         paste(gsub(" ", "", productline), as.numeric(nchar(description) > 0), sep = "*")) }
#     mapfn = function(.src, .pos) { 
#         return(paste(.src, sprintf("%04d", 
#                                    ifelse(.src == "Train", .pos, .pos - 7049)
#                                    ), sep = "#")) }       

# # If glbObsAll is not sorted in the desired manner
#     mapfn=function(Week) { return(coredata(lag(zoo(orderBy(~Week, glbObsAll)$ILI), -2, na.pad=TRUE))) }
#     mapfn=function(ILI) { return(coredata(lag(zoo(ILI), -2, na.pad=TRUE))) }
#     mapfn=function(ILI.2.lag) { return(log(ILI.2.lag)) }

# glbFeatsDerive[["<var1>"]] <- glbFeatsDerive[["<var2>"]]

# tst <- "descr.my"; args_lst <- NULL; for (arg in glbFeatsDerive[[tst]]$args) args_lst[[arg]] <- glbObsAll[, arg]; print(head(args_lst[[arg]])); print(head(drv_vals <- do.call(glbFeatsDerive[[tst]]$mapfn, args_lst))); 
# print(which_ix <- which(args_lst[[arg]] == 0.75)); print(drv_vals[which_ix]); 

glbFeatsDateTime <- list()
# Use OlsonNames() to enumerate supported time zones
# glbFeatsDateTime[["<DateTimeFeat>"]] <- 
#     c(format = "%Y-%m-%d %H:%M:%S" or "%m/%e/%y", timezone = "US/Eastern", impute.na = TRUE, 
#       last.ctg = FALSE, poly.ctg = FALSE)
glbFeatsDateTime[["Datereceived"]] <-
    c(format = "%m/%d/%Y", impute.na = TRUE, last.ctg = FALSE, poly.ctg = FALSE)
glbFeatsDateTime[["Datesenttocompany"]] <-
    c(format = "%m/%d/%Y", impute.na = TRUE, last.ctg = FALSE, poly.ctg = FALSE)

glbFeatsPrice <- NULL # or c("<price_var>")

glbFeatsImage <- list() #list(<imageFeat> = list(patchSize = 10)) # if patchSize not specified, no patch computation

glbFeatsText <- list()
Sys.setlocale("LC_ALL", "C") # For english
## [1] "C/C/C/C/C/en_US.UTF-8"
#glbFeatsText[["<TextFeature>"]] <- list(NULL,
#   ,names = myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL, 
#       <comma-separated-screened-names>
#   ))))
#   ,rareWords = myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL, 
#       <comma-separated-nonSCOWL-words>
#   ))))
#)

# Text Processing Step: custom modifications not present in txt_munge -> use glbFeatsDerive
# Text Processing Step: universal modifications
glb_txt_munge_filenames_pfx <- "<projectId>_mytxt_"

# Text Processing Step: tolower
# Text Processing Step: myreplacePunctuation
# Text Processing Step: removeWords
glb_txt_stop_words <- list()
# Remember to use unstemmed words
if (length(glbFeatsText) > 0) {
    require(tm)
    require(stringr)

    glb_txt_stop_words[["<txt_var>"]] <- 
      sort(myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
        # Remove any words from stopwords            
#         , setdiff(myreplacePunctuation(stopwords("english")), c("<keep_wrd1>", <keep_wrd2>"))
                                
        # Remove salutations
        ,"mr","mrs","dr","Rev"                                

        # Remove misc
        #,"th" # Happy [[:digit::]]+th birthday 

        # Remove terms present in Trn only or New only; search for "Partition post-stem"
        #   ,<comma-separated-terms>        

        # cor.y.train == NA
#         ,unlist(strsplit(paste(c(NULL
#           ,"<comma-separated-terms>"
#         ), collapse=",")

        # freq == 1; keep c("<comma-separated-terms-to-keep>")
            # ,<comma-separated-terms>

        # chisq.pval high (e.g. == 1); keep c("<comma-separated-terms-to-keep>")
            # ,<comma-separated-terms>

        # nzv.freqRatio high (e.g. >= glbFeatsNzvFreqMax); keep c("<comma-separated-terms-to-keep>")
            # ,<comma-separated-terms>        
                                            )))))
}
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^man", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
#glbObsAll[glb_post_stem_words_terms_mtrx_lst[[txtFeat]][, 4866] > 0, c(glb_rsp_var, txtFeat)]

# To identify terms with a specific freq
#paste0(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], freq == 1)$term), collapse = ",")
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], freq <= 2)$term), collapse = ",")
#subset(glb_post_stem_words_terms_df_lst[[txtFeat]], term %in% c("zinger"))

# To identify terms with a specific freq & 
#   are not stemmed together later OR is value of color.fctr (e.g. gold)
#paste0(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], (freq == 1) & !(term %in% c("blacked","blemish","blocked","blocks","buying","cables","careful","carefully","changed","changing","chargers","cleanly","cleared","connect","connects","connected","contains","cosmetics","default","defaulting","defective","definitely","describe","described","devices","displays","drop","drops","engravement","excellant","excellently","feels","fix","flawlessly","frame","framing","gentle","gold","guarantee","guarantees","handled","handling","having","install","iphone","iphones","keeped","keeps","known","lights","line","lining","liquid","liquidation","looking","lots","manuals","manufacture","minis","most","mostly","network","networks","noted","opening","operated","performance","performs","person","personalized","photograph","physically","placed","places","powering","pre","previously","products","protection","purchasing","returned","rotate","rotation","running","sales","second","seconds","shipped","shuts","sides","skin","skinned","sticker","storing","thats","theres","touching","unusable","update","updates","upgrade","weeks","wrapped","verified","verify") ))$term), collapse = ",")

#print(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (freq <= 2)))
#glbObsAll[which(terms_mtrx[, 229] > 0), glbFeatsText]

# To identify terms with cor.y == NA
#orderBy(~-freq+term, subset(glb_post_stop_words_terms_df_lst[[txtFeat]], is.na(cor.y)))
#paste(sort(subset(glb_post_stop_words_terms_df_lst[[txtFeat]], is.na(cor.y))[, "term"]), collapse=",")
#orderBy(~-freq+term, subset(glb_post_stem_words_terms_df_lst[[txtFeat]], is.na(cor.y)))

# To identify terms with low cor.y.abs
#head(orderBy(~cor.y.abs+freq+term, subset(glb_post_stem_words_terms_df_lst[[txtFeat]], !is.na(cor.y))), 5)

# To identify terms with high chisq.pval
#subset(glb_post_stem_words_terms_df_lst[[txtFeat]], chisq.pval > 0.99)
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (chisq.pval > 0.99) & (freq <= 10))$term), collapse=",")
#paste0(sort(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (chisq.pval > 0.9))$term), collapse=",")
#head(orderBy(~-chisq.pval+freq+term, glb_post_stem_words_terms_df_lst[[txtFeat]]), 5)
#glbObsAll[glb_post_stem_words_terms_mtrx_lst[[txtFeat]][, 68] > 0, glbFeatsText]
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^m", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])

# To identify terms with high nzv.freqRatio
#summary(glb_post_stem_words_terms_df_lst[[txtFeat]]$nzv.freqRatio)
#paste0(sort(setdiff(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], (nzv.freqRatio >= glbFeatsNzvFreqMax) & (freq < 10) & (chisq.pval >= 0.05))$term, c( "128gb","3g","4g","gold","ipad1","ipad3","ipad4","ipadair2","ipadmini2","manufactur","spacegray","sprint","tmobil","verizon","wifion"))), collapse=",")

# To identify obs with a txt term
#tail(orderBy(~-freq+term, glb_post_stop_words_terms_df_lst[[txtFeat]]), 20)
#mydspObs(list(descr.my.contains="non"), cols=c("color", "carrier", "cellular", "storage"))
#grep("ever", dimnames(terms_stop_mtrx)$Terms)
#which(terms_stop_mtrx[, grep("ipad", dimnames(terms_stop_mtrx)$Terms)] > 0)
#glbObsAll[which(terms_stop_mtrx[, grep("16", dimnames(terms_stop_mtrx)$Terms)[1]] > 0), c(glbFeatsCategory, "storage", txtFeat)]

# Text Processing Step: screen for names # Move to glbFeatsText specs section in order of text processing steps
# glbFeatsText[["<txtFeat>"]]$names <- myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
#         # Person names for names screening
#         ,<comma-separated-list>
#         
#         # Company names
#         ,<comma-separated-list>
#                     
#         # Product names
#         ,<comma-separated-list>
#     ))))

# glbFeatsText[["<txtFeat>"]]$rareWords <- myreplacePunctuation(str_to_lower(gsub(" ", "", c(NULL
#         # Words not in SCOWL db
#         ,<comma-separated-list>
#     ))))

# To identify char vectors post glbFeatsTextMap
#grep("six(.*)hour", glb_txt_chr_lst[[txtFeat]], ignore.case = TRUE, value = TRUE)
#grep("[S|s]ix(.*)[H|h]our", glb_txt_chr_lst[[txtFeat]], value = TRUE)

# To identify whether terms shd be synonyms
#orderBy(~term, glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^moder", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ])
# term_row_df <- glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^came$", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ]
# 
# cor(glb_post_stop_words_terms_mtrx_lst[[txtFeat]][glbObsAll$.lcn == "Fit", term_row_df$pos], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")

# To identify which stopped words are "close" to a txt term
#sort(glbFeatsCluster)

# Text Processing Step: stemDocument
# To identify stemmed txt terms
#glb_post_stop_words_terms_df_lst[[txtFeat]][grep("^la$", glb_post_stop_words_terms_df_lst[[txtFeat]]$term), ]
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^con", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
#glbObsAll[which(terms_stem_mtrx[, grep("use", dimnames(terms_stem_mtrx)$Terms)[[1]]] > 0), c(glbFeatsId, "productline", txtFeat)]
#glbObsAll[which(TfIdf_stem_mtrx[, 191] > 0), c(glbFeatsId, glbFeatsCategory, txtFeat)]
#glbObsAll[which(glb_post_stop_words_terms_mtrx_lst[[txtFeat]][, 6165] > 0), c(glbFeatsId, glbFeatsCategory, txtFeat)]
#which(glbObsAll$UniqueID %in% c(11915, 11926, 12198))

# Text Processing Step: mycombineSynonyms
#   To identify which terms are associated with not -> combine "could not" & "couldn't"
#findAssocs(glb_full_DTM_lst[[txtFeat]], "not", 0.05)
#   To identify which synonyms should be combined
#orderBy(~term, glb_post_stem_words_terms_df_lst[[txtFeat]][grep("^c", glb_post_stem_words_terms_df_lst[[txtFeat]]$term), ])
chk_comb_cor <- function(syn_lst) {
#     cor(terms_stem_mtrx[glbObsAll$.src == "Train", grep("^(damag|dent|ding)$", dimnames(terms_stem_mtrx)[[2]])], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
    print(subset(glb_post_stem_words_terms_df_lst[[txtFeat]], term %in% syn_lst$syns))
    print(subset(get_corpus_terms(tm_map(glbFeatsTextCorpus[[txtFeat]], mycombineSynonyms, list(syn_lst), lazy=FALSE)), term == syn_lst$word))
#     cor(terms_stop_mtrx[glbObsAll$.src == "Train", grep("^(damage|dent|ding)$", dimnames(terms_stop_mtrx)[[2]])], glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
#     cor(rowSums(terms_stop_mtrx[glbObsAll$.src == "Train", grep("^(damage|dent|ding)$", dimnames(terms_stop_mtrx)[[2]])]), glbObsTrn[, glb_rsp_var], use="pairwise.complete.obs")
}
#chk_comb_cor(syn_lst=list(word="cabl",  syns=c("cabl", "cord")))
#chk_comb_cor(syn_lst=list(word="damag",  syns=c("damag", "dent", "ding")))
#chk_comb_cor(syn_lst=list(word="dent",  syns=c("dent", "ding")))
#chk_comb_cor(syn_lst=list(word="use",  syns=c("use", "usag")))

glbFeatsTextSynonyms <- list()
# list parsed to collect glbFeatsText[[<txtFeat>]]$vldTerms
# glbFeatsTextSynonyms[["Hdln.my"]] <- list(NULL
#     # people in places
#     , list(word = "australia", syns = c("australia", "australian"))
#     , list(word = "italy", syns = c("italy", "Italian"))
#     , list(word = "newyork", syns = c("newyork", "newyorker"))    
#     , list(word = "Pakistan", syns = c("Pakistan", "Pakistani"))    
#     , list(word = "peru", syns = c("peru", "peruvian"))
#     , list(word = "qatar", syns = c("qatar", "qatari"))
#     , list(word = "scotland", syns = c("scotland", "scotish"))
#     , list(word = "Shanghai", syns = c("Shanghai", "Shanzhai"))    
#     , list(word = "venezuela", syns = c("venezuela", "venezuelan"))    
# 
#     # companies - needs to be data dependent 
#     #   - e.g. ensure BNP in this experiment/feat always refers to BNPParibas
#         
#     # general synonyms
#     , list(word = "Create", syns = c("Create","Creator")) 
#     , list(word = "cute", syns = c("cute","cutest"))     
#     , list(word = "Disappear", syns = c("Disappear","Fadeout"))     
#     , list(word = "teach", syns = c("teach", "taught"))     
#     , list(word = "theater",  syns = c("theater", "theatre", "theatres")) 
#     , list(word = "understand",  syns = c("understand", "understood"))    
#     , list(word = "weak",  syns = c("weak", "weaken", "weaker", "weakest"))
#     , list(word = "wealth",  syns = c("wealth", "wealthi"))    
#     
#     # custom synonyms (phrases)
#     
#     # custom synonyms (names)
#                                       )
#glbFeatsTextSynonyms[["<txtFeat>"]] <- list(NULL
#     , list(word="<stem1>",  syns=c("<stem1>", "<stem1_2>"))
#                                       )

for (txtFeat in names(glbFeatsTextSynonyms))
    for (entryIx in 1:length(glbFeatsTextSynonyms[[txtFeat]])) {
        glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$word <-
            str_to_lower(glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$word)
        glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$syns <-
            str_to_lower(glbFeatsTextSynonyms[[txtFeat]][[entryIx]]$syns)        
    }        

glbFeatsTextSeed <- 181
# tm options include: check tm::weightSMART 
glb_txt_terms_control <- list( # Gather model performance & run-time stats
                    # weighting = function(x) weightSMART(x, spec = "nnn")
                    # weighting = function(x) weightSMART(x, spec = "lnn")
                    # weighting = function(x) weightSMART(x, spec = "ann")
                    # weighting = function(x) weightSMART(x, spec = "bnn")
                    # weighting = function(x) weightSMART(x, spec = "Lnn")
                    # 
                    weighting = function(x) weightSMART(x, spec = "ltn") # default
                    # weighting = function(x) weightSMART(x, spec = "lpn")                    
                    # 
                    # weighting = function(x) weightSMART(x, spec = "ltc")                    
                    # 
                    # weighting = weightBin 
                    # weighting = weightTf 
                    # weighting = weightTfIdf # : default
                # termFreq selection criteria across obs: tm default: list(global=c(1, Inf))
                    , bounds = list(global = c(1, Inf)) 
                # wordLengths selection criteria: tm default: c(3, Inf)
                    , wordLengths = c(1, Inf) 
                              ) 

glb_txt_cor_var <- glb_rsp_var # : default # or c(<feat>)

# select one from c("union.top.val.cor", "top.cor", "top.val", default: "top.chisq", "sparse")
glbFeatsTextFilter <- "top.chisq" 
glbFeatsTextTermsMax <- rep(10, length(glbFeatsText)) # :default
names(glbFeatsTextTermsMax) <- names(glbFeatsText)

# Text Processing Step: extractAssoc
glbFeatsTextAssocCor <- rep(1, length(glbFeatsText)) # :default 
names(glbFeatsTextAssocCor) <- names(glbFeatsText)

# Remember to use stemmed terms
glb_important_terms <- list()

# Text Processing Step: extractPatterns (ngrams)
glbFeatsTextPatterns <- list()
#glbFeatsTextPatterns[[<txtFeat>>]] <- list()
#glbFeatsTextPatterns[[<txtFeat>>]] <- c(metropolitan.diary.colon = "Metropolitan Diary:")

# Have to set it even if it is not used
# Properties:
#   numrows(glb_feats_df) << numrows(glbObsFit
#   Select terms that appear in at least 0.2 * O(FP/FN(glbObsOOB)) ???
#       numrows(glbObsOOB) = 1.1 * numrows(glbObsNew) ???
glb_sprs_thresholds <- NULL # or c(<txtFeat1> = 0.988, <txtFeat2> = 0.970, <txtFeat3> = 0.970)

glbFctrMaxUniqVals <- 20 # default: 20
glb_impute_na_data <- FALSE # or TRUE
glb_mice_complete.seed <- 144 # or any integer

glbFeatsCluster <- '%<d-% setdiff(names(glbObsAll), c(glb_rsp_var_raw, glb_rsp_var, glbFeatsExclude, glbFeatsCategory, glbFeatsId, ".rnorm", ".pos"))' # NULL: default or  c("<feat1>", "<feat2>") or '%<d-% <expr>'
glb_cluster.seed <- 189 # or any integer
glbClusterEntropyVar <- glb_rsp_var #NULL # c(glb_rsp_var, as.factor(cut(glb_rsp_var, 3)), default: NULL)
glbFeatsClusterVarsExclude <- FALSE # default FALSE

glb_interaction_only_feats <- NULL # : default or c(<parent_feat> = "<child_feat>")

glbFeatsNzvFreqMax <- 19 # 19 : caret default
glbFeatsNzvUniqMin <- 10 # 10 : caret default

glbRFESizes <- list()
#glbRFESizes[["mdlFamily"]] <- c(4, 8, 16, 32, 64, 67, 68, 69) # Accuracy@69/70 = 0.8258

glbRFEResults <- NULL

glbObsFitOutliers <- list()
# If outliers.n >= 10; consider concatenation of interaction vars
# glbObsFitOutliers[["<mdlFamily>"]] <- c(NULL
#     is.na(.rstudent)
#     max(.rstudent)
#     is.na(.dffits)
#     .hatvalues >= 0.99        
#     -38,167,642 < minmax(.rstudent) < 49,649,823    
#     , <comma-separated-<glbFeatsId>>
#                                     )
glbObsTrnOutliers <- list()
glbObsTrnOutliers[["Final"]] <- union(glbObsFitOutliers[["All.X"]],
                                c(NULL
                                ))

# Modify mdlId to (build & extract) "<FamilyId>#<Fit|Trn>#<caretMethod>#<preProc1.preProc2>#<samplingMethod>"
glb_models_lst <- list(); glb_models_df <- data.frame()

# Add xgboost algorithm

# Regression
if (glb_is_regression) {
    glbMdlMethods <- c(NULL
        # deterministic
            #, "lm", # same as glm
            , "glm", "bayesglm", "glmnet"
            , "rpart"
        # non-deterministic
            , "gbm", "rf" 
        # Unknown
            , "nnet" , "avNNet" # runs 25 models per cv sample for tunelength=5
            , "svmLinear", "svmLinear2"
            , "svmPoly" # runs 75 models per cv sample for tunelength=5
            , "svmRadial" 
            , "earth"
            , "bagEarth" # Takes a long time
            ,"xgbLinear","xgbTree"
        )
} else
# Classification - Add ada (auto feature selection)
    if (glb_is_binomial)
        glbMdlMethods <- c(NULL
        # deterministic                     
            , "bagEarth" # Takes a long time        
            , "glm", "bayesglm", "glmnet"
            , "nnet"
            , "rpart"
        # non-deterministic        
            , "gbm"
            , "avNNet" # runs 25 models per cv sample for tunelength=5      
            , "rf"
        # Unknown
            , "lda", "lda2"
                # svm models crash when predict is called -> internal to kernlab it should call predict without .outcome
            , "svmLinear", "svmLinear2"
            , "svmPoly" # runs 75 models per cv sample for tunelength=5
            , "svmRadial" 
            , "earth"
            ,"xgbLinear","xgbTree"
        ) else
        glbMdlMethods <- c(NULL
        # deterministic
            ,"glmnet"
        # non-deterministic 
            ,"rf"       
        # Unknown
            ,"gbm","rpart","xgbLinear","xgbTree"
        )

glbMdlFamilies <- list(); glb_mdl_feats_lst <- list()
# family: Choose from c("RFE.X", "Csm.X", "All.X", "Best.Interact") %*% c(NUll, ".NOr", ".Inc")
#   RFE = "Recursive Feature Elimination"
#   Csm = CuStoM
#   NOr = No OutlieRs
#   Inc = INteraCt
#   methods: Choose from c(NULL, <method>, glbMdlMethods) 
#glbMdlFamilies[["RFE.X"]] <- c("glmnet", "glm") # non-NULL vector is mandatory
if (glb_is_classification && !glb_is_binomial) {
    # glm does not work for multinomial
    glbMdlFamilies[["All.X"]] <- c("glmnet") 
} else {
    glbMdlFamilies[["All.X"]]     <- c("gbm", "rf", "glmnet", "glm", "bayesglm") # c("glmnet", "glm")
}
#glbMdlFamilies[["All.X.Inc"]] <- glbMdlFamilies[["All.X"]] # value not used

# Check if interaction features make RFE better
# glbMdlFamilies[["CSM.X"]] <- setdiff(glbMdlMethods, c("lda", "lda2")) # crashing due to category:.clusterid ??? #c("glmnet", "glm") # non-NULL list is mandatory
# glb_mdl_feats_lst[["CSM.X"]] <- c(NULL
#     , <comma-separated-features-vector>
#                                   )
# dAFeats.CSM.X %<d-% c(NULL
#     # Interaction feats up to varImp(RFE.X.glmnet) >= 50
#     , <comma-separated-features-vector>
#     , setdiff(myextract_actual_feats(predictors(glbRFEResults)), c(NULL
#                , <comma-separated-features-vector>
#                                                                       ))    
#                                   )
# glb_mdl_feats_lst[["CSM.X"]] <- "%<d-% dAFeats.CSM.X"

glbMdlFamilies[["Final"]] <- c(NULL) # NULL vector acceptable # c("glmnet", "glm")

glbMdlSequential <- c(NULL
                      #, "All.X#zv.pca#rcv#glmnet"
                      )

# Check if tuning parameters make fit better; make it mdlFamily customizable ?
glbMdlTuneParams <- data.frame()

# When glmnet crashes at model$grid with error: ???
# AllX__rcv_glmnetTuneParams <- rbind(data.frame()
#                         ,data.frame(parameter = "alpha",  vals = "0.100 0.325 0.550 0.775 1.000")
#                         ,data.frame(parameter = "lambda", vals = "9.342e-02")    
#                         ) # max.Accuracy.OOB = 0.5956175 @ 0.325 0.03345007
# glbMdlTuneParams <- rbind(glbMdlTuneParams
#     ,cbind(data.frame(mdlId = "All.X##rcv#glmnet"),            AllX__rcv_glmnetTuneParams)
#     ,cbind(data.frame(mdlId = "Final.All.X##rcv#glmnet"), FinalAllX__rcv_glmnetTuneParams)
# )

Low_cor_X__rcv_glmnetTuneParams <- rbind(data.frame()
                        ,data.frame(parameter = "alpha",  vals = "0.100 0.325 0.550 0.775 1.000")
                        ,data.frame(parameter = "lambda", vals = "2.658826e-04 1.234118e-03 5.728268e-03 2.658826e-02 0.05317652")
                        ) # max.Accuracy.OOB = 0.5956175 @ 0.325 0.03345007
glbMdlTuneParams <- rbind(glbMdlTuneParams
    ,cbind(data.frame(mdlId = "Low.cor.X##rcv#glmnet"),          Low_cor_X__rcv_glmnetTuneParams)
    # ,cbind(data.frame(mdlId = "Final.All.X##rcv#glmnet"), FinalAllX__rcv_glmnetTuneParams)
)

    #avNNet    
    #   size=[1] 3 5 7 9; decay=[0] 1e-04 0.001  0.01   0.1; bag=[FALSE]; RMSE=1.3300906 

    #bagEarth
    #   degree=1 [2] 3; nprune=64 128 256 512 [1024]; RMSE=0.6486663 (up)
# bagEarthTuneParams <- rbind(data.frame()
#                         ,data.frame(parameter = "degree", vals = "1")
#                         ,data.frame(parameter = "nprune", vals = "256")
#                         )

    #earth 
    #   degree=[1]; nprune=2  [9] 17 25 33; RMSE=0.1334478
    
    #gbm 
    #   shrinkage=0.05 [0.10] 0.15 0.20 0.25; n.trees=100 150 200 [250] 300; interaction.depth=[1] 2 3 4 5; n.minobsinnode=[10]; RMSE=0.2008313     
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "gbm", parameter = "shrinkage", min = 0.05, max = 0.25, by = 0.05)
#     ,data.frame(method = "gbm", parameter = "n.trees", min = 100, max = 300, by = 50)
#     ,data.frame(method = "gbm", parameter = "interaction.depth", min = 1, max = 5, by = 1)
#     ,data.frame(method = "gbm", parameter = "n.minobsinnode", min = 10, max = 10, by = 10)
#     #seq(from=0.05,  to=0.25, by=0.05)
# ))

    #glmnet
    #   alpha=0.100 [0.325] 0.550 0.775 1.000; lambda=0.0005232693 0.0024288010 0.0112734954 [0.0523269304] 0.2428800957; RMSE=0.6164891
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "glmnet", parameter = "alpha", vals = "0.550 0.775 0.8875 0.94375 1.000")
#     ,data.frame(method = "glmnet", parameter = "lambda", vals = "9.858855e-05 0.0001971771 0.0009152152 0.0042480525 0.0197177130")    
# ))

    #nnet    
    #   size=3 5 [7] 9 11; decay=0.0001 0.001 0.01 [0.1] 0.2; RMSE=0.9287422
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "nnet", parameter = "size", vals = "3 5 7 9 11")
#     ,data.frame(method = "nnet", parameter = "decay", vals = "0.0001 0.0010 0.0100 0.1000 0.2000")    
# ))

    #rf # Don't bother; results are not deterministic
    #       mtry=2  35  68 [101] 134; RMSE=0.1339974
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "rf", parameter = "mtry", vals = "2 5 9 13 17")
# ))

    #rpart 
    #   cp=0.020 [0.025] 0.030 0.035 0.040; RMSE=0.1770237
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()    
#     ,data.frame(method = "rpart", parameter = "cp", vals = "0.004347826 0.008695652 0.017391304 0.021739130 0.034782609")
# ))
    
    #svmLinear
    #   C=0.01 0.05 [0.10] 0.50 1.00 2.00 3.00 4.00; RMSE=0.1271318; 0.1296718
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "svmLinear", parameter = "C", vals = "0.01 0.05 0.1 0.5 1")
# ))

    #svmLinear2    
    #   cost=0.0625 0.1250 [0.25] 0.50 1.00; RMSE=0.1276354 
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method = "svmLinear2", parameter = "cost", vals = "0.0625 0.125 0.25 0.5 1")
# ))

    #svmPoly    
    #   degree=[1] 2 3 4 5; scale=0.01 0.05 [0.1] 0.5 1; C=0.50 1.00 [2.00] 3.00 4.00; RMSE=0.1276130
# glbMdlTuneParams <- myrbind_df(glbMdlTuneParams, rbind(data.frame()
#     ,data.frame(method="svmPoly", parameter="degree", min=1, max=5, by=1) #seq(1, 5, 1)
#     ,data.frame(method="svmPoly", parameter="scale", vals="0.01, 0.05, 0.1, 0.5, 1")
#     ,data.frame(method="svmPoly", parameter="C", vals="0.50, 1.00, 2.00, 3.00, 4.00")    
# ))

    #svmRadial
    #   sigma=[0.08674323]; C=0.25 0.50 1.00 [2.00] 4.00; RMSE=0.1614957
    
#glb2Sav(); all.equal(sav_models_df, glb_models_df)
    
pkgPreprocMethods <-     
# caret version: 6.0.068 # packageVersion("caret")
# operations are applied in this order: zero-variance filter, near-zero variance filter, Box-Cox/Yeo-Johnson/exponential transformation, centering, scaling, range, imputation, PCA, ICA then spatial sign
# *Impute methods needed only if NAs are fed to myfit_mdl
#   Also, ordered.factor in caret creates features as Edn.fctr^4 which is treated as an exponent by bagImpute
    c(NULL
      ,"zv", "nzv"
      ,"BoxCox", "YeoJohnson", "expoTrans"
      ,"center", "scale", "center.scale", "range"
      ,"knnImpute", "bagImpute", "medianImpute"
      ,"zv.pca", "ica", "spatialSign"
      ,"conditionalX") 

glbMdlPreprocMethods <- list(NULL # default
    # ,"All.X" = list("glmnet" = union(setdiff(pkgPreprocMethods,
    #                                         c("knnImpute", "bagImpute", "medianImpute")),
    #                                 # c(NULL)))
    #                                 c("zv.YeoJohnson.pca")))
    # ,"RFE.X" = list("glmnet" = union(setdiff(pkgPreprocMethods,
    #                                         c("knnImpute", "bagImpute", "medianImpute")),
    #                                 c(NULL)))
    #                                 # c("zv.pca.spatialSign")))
)
# glbMdlPreprocMethods[["RFE.X"]] <- list("glmnet" = union(unlist(glbMdlPreprocMethods[["All.X"]]),
#                                                     "nzv.pca.spatialSign"))    

# Baseline prediction model feature(s)
glb_Baseline_mdl_var <- NULL # or c("<feat>")

glbMdlMetric_terms <- NULL # or matrix(c(
#                               0,1,2,3,4,
#                               2,0,1,2,3,
#                               4,2,0,1,2,
#                               6,4,2,0,1,
#                               8,6,4,2,0
#                           ), byrow=TRUE, nrow=5)
glbMdlMetricSummary <- NULL # or "<metric_name>"
glbMdlMetricMaximize <- NULL # or FALSE (TRUE is not the default for both classification & regression) 
glbMdlMetricSummaryFn <- NULL # or function(data, lev=NULL, model=NULL) {
#     confusion_mtrx <- t(as.matrix(confusionMatrix(data$pred, data$obs)))
#     #print(confusion_mtrx)
#     #print(confusion_mtrx * glbMdlMetric_terms)
#     metric <- sum(confusion_mtrx * glbMdlMetric_terms) / nrow(data)
#     names(metric) <- glbMdlMetricSummary
#     return(metric)
# }

glbMdlCheckRcv <- FALSE # Turn it on when needed; otherwise takes long time
glb_rcv_n_folds <- 7 # or NULL
glb_rcv_n_repeats <- 3 # or NULL

glb_clf_proba_threshold <- NULL # 0.5

# Model selection criteria
if (glb_is_regression)
    glbMdlMetricsEval <- c("min.RMSE.OOB", "max.R.sq.OOB", "min.elapsedtime.everything",
                           "max.Adj.R.sq.fit", "min.RMSE.fit")
    #glbMdlMetricsEval <- c("min.RMSE.fit", "max.R.sq.fit", "max.Adj.R.sq.fit")    
if (glb_is_classification) {
    if (glb_is_binomial)
        glbMdlMetricsEval <- 
            c("max.Accuracy.OOB", "max.AUCROCR.OOB", "max.AUCpROC.OOB",
              "min.elapsedtime.everything", 
              # "min.aic.fit", 
              "max.Accuracy.fit") else        
        glbMdlMetricsEval <- c("max.Accuracy.OOB", "max.Kappa.OOB", "min.elapsedtime.everything")
}

# select from NULL [no ensemble models], "auto" [all models better than MFO or Baseline], c(mdl_ids in glb_models_lst) [Typically top-rated models in auto]
glbMdlEnsemble <- NULL # default # options: "auto"
#     "%<d-% setdiff(mygetEnsembleAutoMdlIds(), 'CSM.X.rf')" 
#     c(<comma-separated-mdlIds>
#      )
glbMdlEnsembleSampleMethods <- c("boot", "boot632", "cv", "repeatedcv"
               # , "LOOCV" # tuneLength * nrow(fitDF) # way too many models
               , "LGOCV"
               , "adaptive_cv" 
               , "adaptive_boot"
               , "adaptive_LGOCV"
               )


# Only for classifications; for regressions remove "(.*)\\.prob" form the regex
# tmp_fitobs_df <- glbObsFit[, grep(paste0("^", gsub(".", "\\.", mygetPredictIds$value, fixed = TRUE), "CSM\\.X\\.(.*)\\.prob"), names(glbObsFit), value = TRUE)]; cor_mtrx <- cor(tmp_fitobs_df); cor_vctr <- sort(cor_mtrx[row.names(orderBy(~-Overall, varImp(glb_models_lst[["Ensemble.repeatedcv.glmnet"]])$imp))[1], ]); summary(cor_vctr); cor_vctr
#ntv.glm <- glm(reformulate(indepVar, glb_rsp_var), family = "binomial", data = glbObsFit)
#step.glm <- step(ntv.glm)

glbMdlSltId <- "All.X##rcv#gbm" # NULL #select from c(NULL, "All.X##rcv#glmnet", "RFE.X##rcv#glmnet", <mdlId>)
glbMdlFnlId <- NULL #select from c(NULL, glbMdlSltId)
glbMdlFnlNslId <- NULL
glbMdlFnlRslId <- NULL

glb_dsp_cols <- c(".pos", glbFeatsId, glbFeatsCategory, glb_rsp_var
#               List critical cols excl. above
                  )

# Output specs
# lclgetfltout_df <- function(obsOutDf) {
#     require(tidyr)
#     obsOutDf <- obsOutDf %>%
#         tidyr::separate("ImageId.x.y", c(".src", ".pos", "x", "y"), 
#                         sep = "#", remove = TRUE, extra = "merge")
#     # mnm prefix stands for max_n_mean
#     mnmout_df <- obsOutDf %>%
#         dplyr::group_by(.pos) %>%
#         #dplyr::top_n(1, Probability1) %>% # Score = 3.9426         
#         #dplyr::top_n(2, Probability1) %>% # Score = ???; weighted = 3.94254;         
#         #dplyr::top_n(3, Probability1) %>% # Score = 3.9418; weighted = 3.94169; 
#         dplyr::top_n(4, Probability1) %>% # Score = ???; weighted = 3.94149;        
#         #dplyr::top_n(5, Probability1) %>% # Score = 3.9421; weighted = 3.94178
#     
#         # dplyr::summarize(xMeanN = mean(as.numeric(x)), yMeanN = mean(as.numeric(y)))
#         # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), Probability1), yMeanN = mean(as.numeric(y)))
#         # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1, 0.2357323, 0.2336925)), yMeanN = mean(as.numeric(y)))    
#         # dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1)), yMeanN = mean(as.numeric(y)))
#         dplyr::summarize(xMeanN = weighted.mean(as.numeric(x), c(Probability1)), 
#                          yMeanN = weighted.mean(as.numeric(y), c(Probability1)))  
#     
#     maxout_df <- obsOutDf %>%
#         dplyr::group_by(.pos) %>%
#         dplyr::summarize(maxProb1 = max(Probability1))
#     fltout_df <- merge(maxout_df, obsOutDf, 
#                        by.x = c(".pos", "maxProb1"), by.y = c(".pos", "Probability1"),
#                        all.x = TRUE)
#     fmnout_df <- merge(fltout_df, mnmout_df, 
#                        by.x = c(".pos"), by.y = c(".pos"),
#                        all.x = TRUE)
#     return(fmnout_df)
# }
glbObsOut <- list(NULL
        # glbFeatsId will be the first output column, by default
        ,vars = list()
#         ,mapFn = function(obsOutDf) {
#                   }
                  )
#obsOutFnlNslDf <- savobsOutFnlNslDf
# glbObsOut$mapFn <- function(obsOutDf) {
#     txfout_df <- dplyr::select(obsOutDf, -.pos.y) %>%
#         dplyr::mutate(
#             lunch     = levels(glbObsTrn[, "lunch"    ])[
#                        round(mean(as.numeric(glbObsTrn[, "lunch"    ])), 0)],
#             dinner    = levels(glbObsTrn[, "dinner"   ])[
#                        round(mean(as.numeric(glbObsTrn[, "dinner"   ])), 0)],
#             reserve   = levels(glbObsTrn[, "reserve"  ])[
#                        round(mean(as.numeric(glbObsTrn[, "reserve"  ])), 0)],
#             outdoor   = levels(glbObsTrn[, "outdoor"  ])[
#                        round(mean(as.numeric(glbObsTrn[, "outdoor"  ])), 0)],
#             expensive = levels(glbObsTrn[, "expensive"])[
#                        round(mean(as.numeric(glbObsTrn[, "expensive"])), 0)],
#             liquor    = levels(glbObsTrn[, "liquor"   ])[
#                        round(mean(as.numeric(glbObsTrn[, "liquor"   ])), 0)],
#             table     = levels(glbObsTrn[, "table"    ])[
#                        round(mean(as.numeric(glbObsTrn[, "table"    ])), 0)],
#             classy    = levels(glbObsTrn[, "classy"   ])[
#                        round(mean(as.numeric(glbObsTrn[, "classy"   ])), 0)],
#             kids      = levels(glbObsTrn[, "kids"     ])[
#                        round(mean(as.numeric(glbObsTrn[, "kids"     ])), 0)]
#                       )
#     
#     print("ObsNew output class tables:")
#     print(sapply(c("lunch","dinner","reserve","outdoor",
#                    "expensive","liquor","table",
#                    "classy","kids"), 
#                  function(feat) table(txfout_df[, feat], useNA = "ifany")))
#     
#     txfout_df <- txfout_df %>%
#         dplyr::mutate(labels = "") %>%
#         dplyr::mutate(labels = 
#     ifelse(lunch     != "-1", paste(labels, lunch    ), labels)) %>%
#         dplyr::mutate(labels = 
#     ifelse(dinner    != "-1", paste(labels, dinner   ), labels)) %>%
#         dplyr::mutate(labels = 
#     ifelse(reserve   != "-1", paste(labels, reserve  ), labels)) %>%
#         dplyr::mutate(labels = 
#     ifelse(outdoor   != "-1", paste(labels, outdoor  ), labels)) %>%
#         dplyr::mutate(labels =         
#     ifelse(expensive != "-1", paste(labels, expensive), labels)) %>%
#         dplyr::mutate(labels =         
#     ifelse(liquor    != "-1", paste(labels, liquor   ), labels)) %>%
#         dplyr::mutate(labels =         
#     ifelse(table     != "-1", paste(labels, table    ), labels)) %>%
#         dplyr::mutate(labels =         
#     ifelse(classy    != "-1", paste(labels, classy   ), labels)) %>%
#         dplyr::mutate(labels =         
#     ifelse(kids      != "-1", paste(labels, kids     ), labels)) %>%
#         dplyr::select(business_id, labels)
#     return(txfout_df)
# }
#if (!is.null(glbObsOut$mapFn)) obsOutFnlNslDf <- glbObsOut$mapFn(obsOutFnlNslDf); print(head(obsOutFnlNslDf))

glb_out_obs <- NULL # select from c(NULL : default to "new", "all", "new", "trn")

if (glb_is_classification && glb_is_binomial) {
    # glbObsOut$vars[["Probability1"]] <- 
    #     "%<d-% glbObsNew[, mygetPredictIds(glb_rsp_var, glbMdlId)$prob]" 
    # glbObsOut$vars[[glb_rsp_var_raw]] <-
    #     "%<d-% glb_map_rsp_var_to_raw(glbObsNew[,
    #                                         mygetPredictIds(glb_rsp_var, glbMdlId)$value])"
    glbObsOut$vars[["Predictions"]] <-
        "%<d-% glb_map_rsp_var_to_raw(glbObsNew[,
                                            mygetPredictIds(glb_rsp_var, glbMdlFnlNslId)$value])"
} else {
#     glbObsOut$vars[[glbFeatsId]] <- 
#         "%<d-% as.integer(gsub('Test#', '', glbObsNew[, glbFeatsId]))"
    glbObsOut$vars[[glb_rsp_var]] <- 
        "%<d-% glbObsNew[, mygetPredictIds(glb_rsp_var, glbMdlFnlNslId)$value]"
#     for (outVar in setdiff(glbFeatsExcludeLcl, glb_rsp_var_raw))
#         glbObsOut$vars[[outVar]] <- 
#             paste0("%<d-% mean(glbObsAll[, \"", outVar, "\"], na.rm = TRUE)")
}    

glbOutStackFnames <- NULL #: default
    # c("ebayipads_txt_assoc1_out_bid1_stack.csv") 

glbOut <- list(pfx = "CFPB-PrepaidCard-RestU-02_")
# lclImageSampleSeed <- 129
glbOutDataVizFname <- NULL # choose from c(NULL, "<projectId>_obsall.csv")


glbChunks <- list(labels = c("set_global_options_wd","set_global_options"
    ,"import.data","inspect.data","scrub.data","transform.data"
    ,"extract.features"
        ,"extract.features.datetime","extract.features.image","extract.features.price"
        ,"extract.features.text","extract.features.string"  
        ,"extract.features.end"
    ,"manage.missing.data","cluster.data","partition.data.training","select.features"
    ,"fit.models_0","fit.models_1","fit.models_2","fit.models_3"
    ,"fit.data.training_0","fit.data.training_1"
    ,"predict.data.new"         
    ,"display.session.info"))
# To ensure that all chunks in this script are in glbChunks
if (!is.null(chkChunksLabels <- knitr::all_labels()) && # knitr::all_labels() doesn't work in console runs
    !identical(chkChunksLabels, glbChunks$labels)) {
    print(sprintf("setdiff(chkChunksLabels, glbChunks$labels): %s", 
                  setdiff(chkChunksLabels, glbChunks$labels)))    
    print(sprintf("setdiff(glbChunks$labels, chkChunksLabels): %s", 
                  setdiff(glbChunks$labels, chkChunksLabels)))    
}

glbChunks[["first"]] <- "select.features" #default: script will load envir from previous chunk
glbChunks[["last"]] <- NULL #default: script will save envir at end of this chunk
glbChunks[["inpFilePathName"]] <- "data/CFPB-PrepaidCard-partition-data-training-01_partition.data.training.RData" #mysavChunk(glbOut$pfx, glbChunks[["last"]]) # called from myevlChunk

# Inspect max OOB FP
#chkObsOOB <- subset(glbObsOOB, !label.fctr.All.X..rcv.glmnet.is.acc)
#chkObsOOBFP <- subset(chkObsOOB, label.fctr.All.X..rcv.glmnet == "left_eye_center") %>% dplyr::mutate(Probability1 = label.fctr.All.X..rcv.glmnet.prob) %>% select(-.src, -.pos, -x, -y) %>% lclgetfltout_df() %>% mutate(obj.distance = (((as.numeric(x) - left_eye_center_x.int) ^ 2) + ((as.numeric(y) - left_eye_center_y.int) ^ 2)) ^ 0.5) %>% dplyr::top_n(5, obj.distance) %>% dplyr::top_n(5, -patch.cor)
#
#newImgObs <- glbObsNew[(glbObsNew$ImageId == "Test#0001"), ]; print(newImgObs[which.max(newImgObs$label.fctr.Trn..rcv.glmnet.prob), ])
#OOBImgObs <- glbObsOOB[(glbObsOOB$ImageId == "Train#0003"), ]; print(OOBImgObs[which.max(OOBImgObs$label.fctr.All.X..rcv.glmnet.prob), ])

#mygetImage(which(glbObsAll[, glbFeatsId] == "Train#0003"), names(glbFeatsImage)[1], plot = TRUE, featHighlight = c("left_eye_center_x", "left_eye_center_y"), ovrlHighlight = c(66, 35))

# Depict process
glb_analytics_pn <- petrinet(name = "glb_analytics_pn",
                        trans_df = data.frame(id = 1:6,
    name = c("data.training.all","data.new",
           "model.selected","model.final",
           "data.training.all.prediction","data.new.prediction"),
    x=c(   -5,-5,-15,-25,-25,-35),
    y=c(   -5, 5,  0,  0, -5,  5)
                        ),
                        places_df=data.frame(id=1:4,
    name=c("bgn","fit.data.training.all","predict.data.new","end"),
    x=c(   -0,   -20,                    -30,               -40),
    y=c(    0,     0,                      0,                 0),
    M0=c(   3,     0,                      0,                 0)
                        ),
                        arcs_df = data.frame(
    begin = c("bgn","bgn","bgn",        
            "data.training.all","model.selected","fit.data.training.all",
            "fit.data.training.all","model.final",    
            "data.new","predict.data.new",
            "data.training.all.prediction","data.new.prediction"),
    end   = c("data.training.all","data.new","model.selected",
            "fit.data.training.all","fit.data.training.all","model.final",
            "data.training.all.prediction","predict.data.new",
            "predict.data.new","data.new.prediction",
            "end","end")
                        ))
#print(ggplot.petrinet(glb_analytics_pn))
print(ggplot.petrinet(glb_analytics_pn) + coord_flip())
## Loading required package: grid

glb_analytics_avl_objs <- NULL

glb_chunks_df <- myadd_chunk(NULL, 
                             ifelse(is.null(glbChunks$first), "import.data", glbChunks$first))
##             label step_major step_minor label_minor   bgn end elapsed
## 1 select.features          1          0           0 4.218  NA      NA

Step 1.0: select features

chunk option: eval=

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

```{r extract.features.image, cache=FALSE, echo=FALSE, fig.height=5, fig.width=5, eval=myevlChunk(glbChunks, glbOut$pfx)}

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

Step 1.0: select features

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in cor(data.matrix(entity_df[, sel_feats]), y =
## as.numeric(entity_df[, : the standard deviation is zero
## Loading required package: reshape2
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'

## Warning in as.POSIXlt.POSIXct(x, tz): unknown timezone 'NA'
## [1] "cor(.clusterid, .clusterid.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, .clusterid)=-0.0554"
## [1] "cor(CDisputed.fctr, .clusterid.fctr)=-0.0554"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df
## = glbObsTrn, : Identified .clusterid.fctr as highly correlated
## with .clusterid
## [1] "cor(Datereceived.date.fctr, Datesenttocompany.date.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.date.fctr)=-0.0679"
## [1] "cor(CDisputed.fctr, Datesenttocompany.date.fctr)=-0.0679"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.date.fctr as highly correlated
## with Datereceived.date.fctr
## [1] "cor(Datereceived.hlday, Datesenttocompany.hlday)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.hlday)=0.0136"
## [1] "cor(CDisputed.fctr, Datesenttocompany.hlday)=0.0136"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.hlday as highly correlated with
## Datereceived.hlday
## [1] "cor(Datereceived.juliandate, Datesenttocompany.juliandate)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.juliandate)=-0.0677"
## [1] "cor(CDisputed.fctr, Datesenttocompany.juliandate)=-0.0677"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.juliandate as highly correlated
## with Datereceived.juliandate
## [1] "cor(Datereceived.last16.log1p, Datesenttocompany.last16.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last16.log1p)=0.1509"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last16.log1p)=0.1509"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last16.log1p as highly correlated
## with Datereceived.last16.log1p
## [1] "cor(Datereceived.last2.log1p, Datesenttocompany.last2.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last2.log1p)=0.1598"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last2.log1p)=0.1598"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last2.log1p as highly correlated
## with Datereceived.last2.log1p
## [1] "cor(Datereceived.last32.log1p, Datesenttocompany.last32.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last32.log1p)=0.1220"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last32.log1p)=0.1220"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last32.log1p as highly correlated
## with Datereceived.last32.log1p
## [1] "cor(Datereceived.last4.log1p, Datesenttocompany.last4.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last4.log1p)=0.1623"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last4.log1p)=0.1623"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last4.log1p as highly correlated
## with Datereceived.last4.log1p
## [1] "cor(Datereceived.last8.log1p, Datesenttocompany.last8.log1p)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"
## [1] "cor(CDisputed.fctr, Datesenttocompany.last8.log1p)=0.1642"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.last8.log1p as highly correlated
## with Datereceived.last8.log1p
## [1] "cor(Datereceived.month.fctr, Datesenttocompany.month.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.month.fctr)=-0.0632"
## [1] "cor(CDisputed.fctr, Datesenttocompany.month.fctr)=-0.0632"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.month.fctr as highly correlated
## with Datereceived.month.fctr
## [1] "cor(Datereceived.wkend, Datesenttocompany.wkend)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.wkend)=-0.0238"
## [1] "cor(CDisputed.fctr, Datesenttocompany.wkend)=-0.0238"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.wkend as highly correlated with
## Datereceived.wkend
## [1] "cor(Datereceived.year.fctr, Datesenttocompany.year.fctr)=1.0000"
## [1] "cor(CDisputed.fctr, Datereceived.year.fctr)=0.0497"
## [1] "cor(CDisputed.fctr, Datesenttocompany.year.fctr)=0.0497"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datesenttocompany.year.fctr as highly correlated
## with Datereceived.year.fctr
## [1] "cor(Datereceived.juliandate, Datereceived.month.fctr)=0.9966"
## [1] "cor(CDisputed.fctr, Datereceived.juliandate)=-0.0677"
## [1] "cor(CDisputed.fctr, Datereceived.month.fctr)=-0.0632"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.month.fctr as highly correlated with
## Datereceived.juliandate
## [1] "cor(Sent.Recd.Dys.log1p, Sent.Recd.Dys.root2)=0.9867"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.log1p)=-0.1419"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.root2)=-0.1412"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Sent.Recd.Dys.root2 as highly correlated with
## Sent.Recd.Dys.log1p
## [1] "cor(Sent.Recd.Dys, Sent.Recd.Dys.log1p)=0.9228"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys)=-0.1299"
## [1] "cor(CDisputed.fctr, Sent.Recd.Dys.log1p)=-0.1419"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Sent.Recd.Dys as highly correlated with
## Sent.Recd.Dys.log1p
## [1] "cor(Datereceived.last16.log1p, Datereceived.last8.log1p)=0.8463"
## [1] "cor(CDisputed.fctr, Datereceived.last16.log1p)=0.1509"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.last16.log1p as highly correlated with
## Datereceived.last8.log1p
## [1] "cor(Datereceived.last4.log1p, Datereceived.last8.log1p)=0.7265"
## [1] "cor(CDisputed.fctr, Datereceived.last4.log1p)=0.1623"
## [1] "cor(CDisputed.fctr, Datereceived.last8.log1p)=0.1642"
## Warning in myfind_cor_features(feats_df = glb_feats_df, obs_df =
## glbObsTrn, : Identified Datereceived.last4.log1p as highly correlated with
## Datereceived.last8.log1p
##                                       cor.y exclude.as.feat   cor.y.abs
## Datereceived.last8.log1p        0.164168356               0 0.164168356
## Datesenttocompany.last8.log1p   0.164168356               0 0.164168356
## Datereceived.last4.log1p        0.162314275               0 0.162314275
## Datesenttocompany.last4.log1p   0.162314275               0 0.162314275
## Datereceived.last2.log1p        0.159849462               0 0.159849462
## Datesenttocompany.last2.log1p   0.159849462               0 0.159849462
## Datereceived.last16.log1p       0.150892831               0 0.150892831
## Datesenttocompany.last16.log1p  0.150892831               0 0.150892831
## Datereceived.last32.log1p       0.122022721               0 0.122022721
## Datesenttocompany.last32.log1p  0.122022721               0 0.122022721
## .pos                            0.069085650               1 0.069085650
## gCompany.fctr                   0.062837704               0 0.062837704
## gTags.fctr                      0.061416859               0 0.061416859
## Sent.Recd.Dys.nexp              0.059029644               0 0.059029644
## Datereceived.zoo                0.054643150               1 0.054643150
## Datesenttocompany.zoo           0.054643150               1 0.054643150
## Timelyresponse.fctr             0.054340991               0 0.054340991
## Rgn.Dvn.fctr                    0.053302356               0 0.053302356
## Datereceived.year.fctr          0.049749554               0 0.049749554
## Datesenttocompany.year.fctr     0.049749554               0 0.049749554
## ComplaintID                     0.020647248               1 0.020647248
## Datereceived.POSIX              0.020575223               1 0.020575223
## Datesenttocompany.POSIX         0.020575223               1 0.020575223
## Datereceived.hlday              0.013640853               0 0.013640853
## Datesenttocompany.hlday         0.013640853               0 0.013640853
## Datereceived.wkday.fctr         0.004909536               0 0.004909536
## Datesenttocompany.wkday.fctr    0.004909536               0 0.004909536
## gCConsent.fctr                 -0.002776913               0 0.002776913
## .rnorm                         -0.004943641               0 0.004943641
## Datereceived.wkend             -0.023776697               0 0.023776697
## Datesenttocompany.wkend        -0.023776697               0 0.023776697
## Channel.fctr                   -0.031163962               0 0.031163962
## gSPrd.fctr                     -0.036262379               0 0.036262379
## .clusterid                     -0.055429506               0 0.055429506
## .clusterid.fctr                -0.055429506               0 0.055429506
## Datereceived.month.fctr        -0.063231079               0 0.063231079
## Datesenttocompany.month.fctr   -0.063231079               0 0.063231079
## Datereceived.juliandate        -0.067679757               0 0.067679757
## Datesenttocompany.juliandate   -0.067679757               0 0.067679757
## Datereceived.date.fctr         -0.067929494               0 0.067929494
## Datesenttocompany.date.fctr    -0.067929494               0 0.067929494
## Sent.Recd.Dys                  -0.129861524               0 0.129861524
## Sent.Recd.Dys.root2            -0.141226398               0 0.141226398
## Sent.Recd.Dys.log1p            -0.141943231               0 0.141943231
## Response.fctr                  -0.220910417               0 0.220910417
## Datereceived.day.minutes                 NA               0          NA
## Datereceived.hour.fctr                   NA               0          NA
## Datereceived.minute.fctr                 NA               0          NA
## Datereceived.second.fctr                 NA               0          NA
## Datesenttocompany.day.minutes            NA               0          NA
## Datesenttocompany.hour.fctr              NA               0          NA
## Datesenttocompany.minute.fctr            NA               0          NA
## Datesenttocompany.second.fctr            NA               0          NA
##                                               cor.high.X freqRatio
## Datereceived.last8.log1p                            <NA>  1.109428
## Datesenttocompany.last8.log1p   Datereceived.last8.log1p  1.109428
## Datereceived.last4.log1p        Datereceived.last8.log1p  1.131868
## Datesenttocompany.last4.log1p   Datereceived.last4.log1p  1.131868
## Datereceived.last2.log1p                            <NA>  1.735692
## Datesenttocompany.last2.log1p   Datereceived.last2.log1p  1.735692
## Datereceived.last16.log1p       Datereceived.last8.log1p  1.096698
## Datesenttocompany.last16.log1p Datereceived.last16.log1p  1.096698
## Datereceived.last32.log1p                           <NA>  1.244681
## Datesenttocompany.last32.log1p Datereceived.last32.log1p  1.244681
## .pos                                                <NA>  1.000000
## gCompany.fctr                                       <NA>  1.789357
## gTags.fctr                                          <NA> 13.529412
## Sent.Recd.Dys.nexp                                  <NA>  1.136364
## Datereceived.zoo                                    <NA>  1.566667
## Datesenttocompany.zoo                               <NA>  1.566667
## Timelyresponse.fctr                                 <NA> 85.939394
## Rgn.Dvn.fctr                                        <NA>  1.274472
## Datereceived.year.fctr                              <NA>  2.380000
## Datesenttocompany.year.fctr       Datereceived.year.fctr  2.380000
## ComplaintID                                         <NA>  1.000000
## Datereceived.POSIX                                  <NA>  1.566667
## Datesenttocompany.POSIX                             <NA>  1.566667
## Datereceived.hlday                                  <NA> 94.633333
## Datesenttocompany.hlday               Datereceived.hlday 94.633333
## Datereceived.wkday.fctr                             <NA>  1.087719
## Datesenttocompany.wkday.fctr                        <NA>  1.087719
## gCConsent.fctr                                      <NA>  1.155955
## .rnorm                                              <NA>  1.000000
## Datereceived.wkend                                  <NA>  6.925414
## Datesenttocompany.wkend               Datereceived.wkend  6.925414
## Channel.fctr                                        <NA>  5.260982
## gSPrd.fctr                                          <NA>  3.944118
## .clusterid                                          <NA>  2.213997
## .clusterid.fctr                               .clusterid  2.213997
## Datereceived.month.fctr          Datereceived.juliandate  3.323144
## Datesenttocompany.month.fctr     Datereceived.month.fctr  3.323144
## Datereceived.juliandate                             <NA>  1.532258
## Datesenttocompany.juliandate     Datereceived.juliandate  1.532258
## Datereceived.date.fctr                              <NA>  1.330341
## Datesenttocompany.date.fctr       Datereceived.date.fctr  1.330341
## Sent.Recd.Dys                        Sent.Recd.Dys.log1p  1.136364
## Sent.Recd.Dys.root2                  Sent.Recd.Dys.log1p  1.136364
## Sent.Recd.Dys.log1p                                 <NA>  1.136364
## Response.fctr                                       <NA>  1.531350
## Datereceived.day.minutes                            <NA>  0.000000
## Datereceived.hour.fctr                              <NA>  0.000000
## Datereceived.minute.fctr                            <NA>  0.000000
## Datereceived.second.fctr                            <NA>  0.000000
## Datesenttocompany.day.minutes                       <NA>  0.000000
## Datesenttocompany.hour.fctr                         <NA>  0.000000
## Datesenttocompany.minute.fctr                       <NA>  0.000000
## Datesenttocompany.second.fctr                       <NA>  0.000000
##                                percentUnique zeroVar   nzv
## Datereceived.last8.log1p          0.34855350   FALSE FALSE
## Datesenttocompany.last8.log1p     0.34855350   FALSE FALSE
## Datereceived.last4.log1p          0.24398745   FALSE FALSE
## Datesenttocompany.last4.log1p     0.24398745   FALSE FALSE
## Datereceived.last2.log1p          0.20913210   FALSE FALSE
## Datesenttocompany.last2.log1p     0.20913210   FALSE FALSE
## Datereceived.last16.log1p         0.52283025   FALSE FALSE
## Datesenttocompany.last16.log1p    0.52283025   FALSE FALSE
## Datereceived.last32.log1p         0.80167306   FALSE FALSE
## Datesenttocompany.last32.log1p    0.80167306   FALSE FALSE
## .pos                            100.00000000   FALSE FALSE
## gCompany.fctr                     0.31369815   FALSE FALSE
## gTags.fctr                        0.13942140   FALSE FALSE
## Sent.Recd.Dys.nexp                3.10212618   FALSE FALSE
## Datereceived.zoo                 22.62112234   FALSE FALSE
## Datesenttocompany.zoo            22.62112234   FALSE FALSE
## Timelyresponse.fctr               0.06971070   FALSE  TRUE
## Rgn.Dvn.fctr                      0.34855350   FALSE FALSE
## Datereceived.year.fctr            0.10456605   FALSE FALSE
## Datesenttocompany.year.fctr       0.10456605   FALSE FALSE
## ComplaintID                     100.00000000   FALSE FALSE
## Datereceived.POSIX               23.42279540   FALSE FALSE
## Datesenttocompany.POSIX          23.42279540   FALSE FALSE
## Datereceived.hlday                0.06971070   FALSE  TRUE
## Datesenttocompany.hlday           0.06971070   FALSE  TRUE
## Datereceived.wkday.fctr           0.24398745   FALSE FALSE
## Datesenttocompany.wkday.fctr      0.24398745   FALSE FALSE
## gCConsent.fctr                    0.13942140   FALSE FALSE
## .rnorm                          100.00000000   FALSE FALSE
## Datereceived.wkend                0.06971070   FALSE FALSE
## Datesenttocompany.wkend           0.06971070   FALSE FALSE
## Channel.fctr                      0.17427675   FALSE FALSE
## gSPrd.fctr                        0.24398745   FALSE FALSE
## .clusterid                        0.13942140   FALSE FALSE
## .clusterid.fctr                   0.13942140   FALSE FALSE
## Datereceived.month.fctr           0.41826420   FALSE FALSE
## Datesenttocompany.month.fctr      0.41826420   FALSE FALSE
## Datereceived.juliandate          12.37364936   FALSE FALSE
## Datesenttocompany.juliandate     12.37364936   FALSE FALSE
## Datereceived.date.fctr            0.17427675   FALSE FALSE
## Datesenttocompany.date.fctr       0.17427675   FALSE FALSE
## Sent.Recd.Dys                     3.10212618   FALSE FALSE
## Sent.Recd.Dys.root2               3.10212618   FALSE FALSE
## Sent.Recd.Dys.log1p               3.10212618   FALSE FALSE
## Response.fctr                     0.13942140   FALSE FALSE
## Datereceived.day.minutes          0.03485535    TRUE  TRUE
## Datereceived.hour.fctr            0.03485535    TRUE  TRUE
## Datereceived.minute.fctr          0.03485535    TRUE  TRUE
## Datereceived.second.fctr          0.03485535    TRUE  TRUE
## Datesenttocompany.day.minutes     0.03485535    TRUE  TRUE
## Datesenttocompany.hour.fctr       0.03485535    TRUE  TRUE
## Datesenttocompany.minute.fctr     0.03485535    TRUE  TRUE
## Datesenttocompany.second.fctr     0.03485535    TRUE  TRUE
##                                is.cor.y.abs.low
## Datereceived.last8.log1p                  FALSE
## Datesenttocompany.last8.log1p             FALSE
## Datereceived.last4.log1p                  FALSE
## Datesenttocompany.last4.log1p             FALSE
## Datereceived.last2.log1p                  FALSE
## Datesenttocompany.last2.log1p             FALSE
## Datereceived.last16.log1p                 FALSE
## Datesenttocompany.last16.log1p            FALSE
## Datereceived.last32.log1p                 FALSE
## Datesenttocompany.last32.log1p            FALSE
## .pos                                      FALSE
## gCompany.fctr                             FALSE
## gTags.fctr                                FALSE
## Sent.Recd.Dys.nexp                        FALSE
## Datereceived.zoo                          FALSE
## Datesenttocompany.zoo                     FALSE
## Timelyresponse.fctr                       FALSE
## Rgn.Dvn.fctr                              FALSE
## Datereceived.year.fctr                    FALSE
## Datesenttocompany.year.fctr               FALSE
## ComplaintID                               FALSE
## Datereceived.POSIX                        FALSE
## Datesenttocompany.POSIX                   FALSE
## Datereceived.hlday                        FALSE
## Datesenttocompany.hlday                   FALSE
## Datereceived.wkday.fctr                    TRUE
## Datesenttocompany.wkday.fctr               TRUE
## gCConsent.fctr                             TRUE
## .rnorm                                    FALSE
## Datereceived.wkend                        FALSE
## Datesenttocompany.wkend                   FALSE
## Channel.fctr                              FALSE
## gSPrd.fctr                                FALSE
## .clusterid                                FALSE
## .clusterid.fctr                           FALSE
## Datereceived.month.fctr                   FALSE
## Datesenttocompany.month.fctr              FALSE
## Datereceived.juliandate                   FALSE
## Datesenttocompany.juliandate              FALSE
## Datereceived.date.fctr                    FALSE
## Datesenttocompany.date.fctr               FALSE
## Sent.Recd.Dys                             FALSE
## Sent.Recd.Dys.root2                       FALSE
## Sent.Recd.Dys.log1p                       FALSE
## Response.fctr                             FALSE
## Datereceived.day.minutes                     NA
## Datereceived.hour.fctr                       NA
## Datereceived.minute.fctr                     NA
## Datereceived.second.fctr                     NA
## Datesenttocompany.day.minutes                NA
## Datesenttocompany.hour.fctr                  NA
## Datesenttocompany.minute.fctr                NA
## Datesenttocompany.second.fctr                NA
## Warning in myplot_scatter(plt_feats_df, "percentUnique", "freqRatio",
## colorcol_name = "nzv", : converting nzv to class:factor
## Warning: Removed 3 rows containing missing values (geom_point).

## Warning: Removed 3 rows containing missing values (geom_point).

## Warning: Removed 3 rows containing missing values (geom_point).

##                                    cor.y exclude.as.feat  cor.y.abs
## Timelyresponse.fctr           0.05434099               0 0.05434099
## Datereceived.hlday            0.01364085               0 0.01364085
## Datesenttocompany.hlday       0.01364085               0 0.01364085
## Datereceived.day.minutes              NA               0         NA
## Datereceived.hour.fctr                NA               0         NA
## Datereceived.minute.fctr              NA               0         NA
## Datereceived.second.fctr              NA               0         NA
## Datesenttocompany.day.minutes         NA               0         NA
## Datesenttocompany.hour.fctr           NA               0         NA
## Datesenttocompany.minute.fctr         NA               0         NA
## Datesenttocompany.second.fctr         NA               0         NA
##                                       cor.high.X freqRatio percentUnique
## Timelyresponse.fctr                         <NA>  85.93939    0.06971070
## Datereceived.hlday                          <NA>  94.63333    0.06971070
## Datesenttocompany.hlday       Datereceived.hlday  94.63333    0.06971070
## Datereceived.day.minutes                    <NA>   0.00000    0.03485535
## Datereceived.hour.fctr                      <NA>   0.00000    0.03485535
## Datereceived.minute.fctr                    <NA>   0.00000    0.03485535
## Datereceived.second.fctr                    <NA>   0.00000    0.03485535
## Datesenttocompany.day.minutes               <NA>   0.00000    0.03485535
## Datesenttocompany.hour.fctr                 <NA>   0.00000    0.03485535
## Datesenttocompany.minute.fctr               <NA>   0.00000    0.03485535
## Datesenttocompany.second.fctr               <NA>   0.00000    0.03485535
##                               zeroVar  nzv is.cor.y.abs.low
## Timelyresponse.fctr             FALSE TRUE            FALSE
## Datereceived.hlday              FALSE TRUE            FALSE
## Datesenttocompany.hlday         FALSE TRUE            FALSE
## Datereceived.day.minutes         TRUE TRUE               NA
## Datereceived.hour.fctr           TRUE TRUE               NA
## Datereceived.minute.fctr         TRUE TRUE               NA
## Datereceived.second.fctr         TRUE TRUE               NA
## Datesenttocompany.day.minutes    TRUE TRUE               NA
## Datesenttocompany.hour.fctr      TRUE TRUE               NA
## Datesenttocompany.minute.fctr    TRUE TRUE               NA
## Datesenttocompany.second.fctr    TRUE TRUE               NA

## [1] "numeric data missing in : "
## CDisputed.fctr 
##            165 
## [1] "numeric data w/ 0s in : "
##                  Sent.Recd.Dys        Datereceived.wkday.fctr 
##                            151                            143 
##             Datereceived.wkend             Datereceived.hlday 
##                           2658                           3004 
##         Datereceived.hour.fctr       Datereceived.minute.fctr 
##                           3034                           3034 
##       Datereceived.second.fctr       Datereceived.day.minutes 
##                           3034                           3034 
##   Datesenttocompany.wkday.fctr        Datesenttocompany.wkend 
##                            143                           2658 
##        Datesenttocompany.hlday    Datesenttocompany.hour.fctr 
##                           3004                           3034 
##  Datesenttocompany.minute.fctr  Datesenttocompany.second.fctr 
##                           3034                           3034 
##  Datesenttocompany.day.minutes       Datereceived.last2.log1p 
##                           3034                           1767 
##       Datereceived.last4.log1p       Datereceived.last8.log1p 
##                           1038                            594 
##      Datereceived.last16.log1p      Datereceived.last32.log1p 
##                            419                            215 
##  Datesenttocompany.last2.log1p  Datesenttocompany.last4.log1p 
##                           1767                           1038 
##  Datesenttocompany.last8.log1p Datesenttocompany.last16.log1p 
##                            594                            419 
## Datesenttocompany.last32.log1p 
##                            215 
## [1] "numeric data w/ Infs in : "
## named integer(0)
## [1] "numeric data w/ NaNs in : "
## named integer(0)
## [1] "string data missing in : "
##               Datereceived                    Product 
##                          0                          0 
##                 Subproduct                      Issue 
##                          0                          0 
##                   Subissue Consumercomplaintnarrative 
##                       3034                       1940 
##      Companypublicresponse                    Company 
##                       2350                          0 
##                      State                    ZIPcode 
##                         34                         34 
##                       Tags    Consumerconsentprovided 
##                       2679                         61 
##               Submittedvia          Datesenttocompany 
##                          0                          0 
##  Companyresponsetoconsumer             Timelyresponse 
##                          0                          0 
##           Consumerdisputed                   gCompany 
##                        165                          0 
##                    Rgn.Dvn                      gTags 
##                          0                          0 
##                  gCConsent                    Channel 
##                          0                          0 
##                   Response                       .lcn 
##                          0                        165
## [1] "glb_feats_df:"
## [1] 53 12
##                            id exclude.as.feat rsp_var
## CDisputed.fctr CDisputed.fctr            TRUE    TRUE
##                            id      cor.y exclude.as.feat  cor.y.abs
## ComplaintID       ComplaintID 0.02064725            TRUE 0.02064725
## CDisputed.fctr CDisputed.fctr         NA            TRUE         NA
##                cor.high.X freqRatio percentUnique zeroVar   nzv
## ComplaintID          <NA>         1           100   FALSE FALSE
## CDisputed.fctr       <NA>        NA            NA      NA    NA
##                is.cor.y.abs.low interaction.feat shapiro.test.p.value
## ComplaintID               FALSE             <NA>                   NA
## CDisputed.fctr               NA             <NA>                   NA
##                rsp_var_raw id_var rsp_var
## ComplaintID          FALSE   TRUE      NA
## CDisputed.fctr          NA     NA    TRUE
## [1] "glb_feats_df vs. glbObsAll: "
## character(0)
## [1] "glbObsAll vs. glb_feats_df: "
## character(0)
## Loading required package: unbalanced
## Loading required package: mlr
## Loading required package: BBmisc
## 
## Attaching package: 'BBmisc'
## The following object is masked from 'package:grid':
## 
##     explode
## The following objects are masked from 'package:dplyr':
## 
##     coalesce, collapse
## Loading required package: ParamHelpers
## Loading required package: stringi
## 
## Attaching package: 'mlr'
## The following object is masked from 'package:caret':
## 
##     train
## Loading required package: doParallel
## Proportion of positives after ubSMOTE : 42.86 % of 2464 observations
##     Consumerdisputed.Var.2 Consumerdisputed.No Consumerdisputed.Yes
##                        165                  NA                   NA
## Fit                     NA                 991                  352
## OOB                     NA                1441                   85
##     Consumerdisputed.Var.2 Consumerdisputed.No Consumerdisputed.Yes
##                          1                  NA                   NA
## Fit                     NA           0.7379002           0.26209978
## OOB                     NA           0.9442988           0.05570118
## Loading required package: sqldf
## Loading required package: gsubfn
## Loading required package: proto
## Warning in doTryCatch(return(expr), name, parentenv, handler): unable to load shared object '/Library/Frameworks/R.framework/Resources/modules//R_X11.so':
##   dlopen(/Library/Frameworks/R.framework/Resources/modules//R_X11.so, 6): Library not loaded: /opt/X11/lib/libSM.6.dylib
##   Referenced from: /Library/Frameworks/R.framework/Resources/modules//R_X11.so
##   Reason: image not found
## Could not load tcltk.  Will use slower R code instead.
## 
## Attaching package: 'gsubfn'
## The following object is masked from 'package:mlr':
## 
##     fn
## Loading required package: RSQLite
## Loading required package: DBI
##                     gSPrd.fctr .n.Fit .n.OOB .n.Tst .freqRatio.Fit
## 1           Generalpurposecard    642    699     69     0.47803425
## 3 Governmentbenefitpaymentcard     98    163     22     0.07297096
## 2           Giftormerchantcard    114    160     21     0.08488459
## 7                  Payrollcard    164    176     18     0.12211467
## 5                 Mobilewallet    161    145     18     0.11988086
## 6                        Other     92     89      9     0.06850335
## 4                IDprepaidcard     72     94      8     0.05361132
##   .freqRatio.OOB .freqRatio.Tst
## 1     0.45806029     0.41818182
## 3     0.10681520     0.13333333
## 2     0.10484928     0.12727273
## 7     0.11533421     0.10909091
## 5     0.09501966     0.10909091
## 6     0.05832241     0.05454545
## 4     0.06159895     0.04848485
##             label step_major step_minor label_minor   bgn   end elapsed
## 1 select.features          1          0           0 4.218 9.955   5.737
## 2      fit.models          2          0           0 9.955    NA      NA

Step 2.0: fit models

fit.models_0_chunk_df <- myadd_chunk(NULL, "fit.models_0_bgn", label.minor = "setup")
##              label step_major step_minor label_minor    bgn end elapsed
## 1 fit.models_0_bgn          1          0       setup 10.638  NA      NA
# load(paste0(glbOut$pfx, "dsk.RData"))

glbgetModelSelectFormula <- function() {
    model_evl_terms <- c(NULL)
    # min.aic.fit might not be avl
    lclMdlEvlCriteria <- 
        glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)]
    for (metric in lclMdlEvlCriteria)
        model_evl_terms <- c(model_evl_terms, 
                             ifelse(length(grep("max", metric)) > 0, "-", "+"), metric)
    if (glb_is_classification && glb_is_binomial)
        model_evl_terms <- c(model_evl_terms, "-", "opt.prob.threshold.OOB")
    model_sel_frmla <- as.formula(paste(c("~ ", model_evl_terms), collapse = " "))
    return(model_sel_frmla)
}

glbgetDisplayModelsDf <- function() {
    dsp_models_cols <- c("id", 
                    glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)],
                    grep("opt.", names(glb_models_df), fixed = TRUE, value = TRUE)) 
    dsp_models_df <- 
        #orderBy(glbgetModelSelectFormula(), glb_models_df)[, c("id", glbMdlMetricsEval)]
        orderBy(glbgetModelSelectFormula(), glb_models_df)[, dsp_models_cols]    
    nCvMdl <- sapply(glb_models_lst, function(mdl) nrow(mdl$results))
    nParams <- sapply(glb_models_lst, function(mdl) ifelse(mdl$method == "custom", 0, 
        nrow(subset(modelLookup(mdl$method), parameter != "parameter"))))
    
#     nCvMdl <- nCvMdl[names(nCvMdl) != "avNNet"]
#     nParams <- nParams[names(nParams) != "avNNet"]    
    
    if (length(cvMdlProblems <- nCvMdl[nCvMdl <= nParams]) > 0) {
        print("Cross Validation issues:")
        warning("Cross Validation issues:")        
        print(cvMdlProblems)
    }
    
    pltMdls <- setdiff(names(nCvMdl), names(cvMdlProblems))
    pltMdls <- setdiff(pltMdls, names(nParams[nParams == 0]))
    
    # length(pltMdls) == 21
    png(paste0(glbOut$pfx, "bestTune.png"), width = 480 * 2, height = 480 * 4)
    grid.newpage()
    pushViewport(viewport(layout = grid.layout(ceiling(length(pltMdls) / 2.0), 2)))
    pltIx <- 1
    for (mdlId in pltMdls) {
        print(ggplot(glb_models_lst[[mdlId]], highBestTune = TRUE) + labs(title = mdlId),   
              vp = viewport(layout.pos.row = ceiling(pltIx / 2.0), 
                            layout.pos.col = ((pltIx - 1) %% 2) + 1))  
        pltIx <- pltIx + 1
    }
    dev.off()

    if (all(row.names(dsp_models_df) != dsp_models_df$id))
        row.names(dsp_models_df) <- dsp_models_df$id
    return(dsp_models_df)
}
#glbgetDisplayModelsDf()

# this needs to be in mydsutils.R as lclgetPredictions (functionality needed for utils)
glb_get_predictions <- function(df, mdl_id, rsp_var, prob_threshold_def=NULL, verbose=FALSE) {
    mdl <- glb_models_lst[[mdl_id]]
    
    clmnNames <- mygetPredictIds(rsp_var, mdl_id)
    predct_var_name <- clmnNames$value        
    predct_prob_var_name <- clmnNames$prob
    predct_accurate_var_name <- clmnNames$is.acc
    predct_error_var_name <- clmnNames$err
    predct_erabs_var_name <- clmnNames$err.abs

    if (glb_is_regression) {
        df[, predct_var_name] <- predict(mdl, newdata=df, type="raw")
        if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_var_name) + 
                  facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
                  stat_smooth(method="glm"))

        df[, predct_error_var_name] <- df[, predct_var_name] - df[, glb_rsp_var]
        if (verbose) print(myplot_scatter(df, predct_var_name, predct_error_var_name) + 
                  #facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
                  stat_smooth(method="auto"))
        if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_error_var_name) + 
                  #facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
                  stat_smooth(method="glm"))
        
        df[, predct_erabs_var_name] <- abs(df[, predct_error_var_name])
        if (verbose) print(head(orderBy(reformulate(c("-", predct_erabs_var_name)), df)))
        
        df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])
    }

    if (glb_is_classification && glb_is_binomial) {
        prob_threshold <- glb_models_df[glb_models_df$id == mdl_id, 
                                        "opt.prob.threshold.OOB"]
        if (is.null(prob_threshold) || is.na(prob_threshold)) {
            warning("Using default probability threshold: ", prob_threshold_def)
            if (is.null(prob_threshold <- prob_threshold_def))
                stop("Default probability threshold is NULL")
        }
        
        df[, predct_prob_var_name] <- predict(mdl, newdata = df, type = "prob")[, 2]
        df[, predct_var_name] <- 
                #factor(levels(df[, glb_rsp_var])[ # changed to glbObsAll since tileDf won't have it
                factor(levels(glbObsAll[, glb_rsp_var])[                          
                    (df[, predct_prob_var_name] >=
                        prob_threshold) * 1 + 1], levels(glbObsAll[, glb_rsp_var]))
    
#         if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_var_name) + 
#                   facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
#                   stat_smooth(method="glm"))

        if (glb_rsp_var %in% names(df)) {
          df[, predct_error_var_name] <- df[, predct_var_name] != df[, glb_rsp_var]
  #         if (verbose) print(myplot_scatter(df, predct_var_name, predct_error_var_name) + 
  #                   #facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
  #                   stat_smooth(method="auto"))
  #         if (verbose) print(myplot_scatter(df, glb_rsp_var, predct_error_var_name) + 
  #                   #facet_wrap(reformulate(glbFeatsCategory), scales = "free") + 
  #                   stat_smooth(method="glm"))
          
          # if prediction is a TP (true +ve), measure distance from 1.0
          tp <- which((df[, predct_var_name] == df[, glb_rsp_var]) &
                      (df[, predct_var_name] == levels(df[, glb_rsp_var])[2]))
          df[tp, predct_erabs_var_name] <- abs(1 - df[tp, predct_prob_var_name])
          #rowIx <- which.max(df[tp, predct_erabs_var_name]); df[tp, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
          
          # if prediction is a TN (true -ve), measure distance from 0.0
          tn <- which((df[, predct_var_name] == df[, glb_rsp_var]) &
                      (df[, predct_var_name] == levels(df[, glb_rsp_var])[1]))
          df[tn, predct_erabs_var_name] <- abs(0 - df[tn, predct_prob_var_name])
          #rowIx <- which.max(df[tn, predct_erabs_var_name]); df[tn, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
          
          # if prediction is a FP (flse +ve), measure distance from 0.0
          fp <- which((df[, predct_var_name] != df[, glb_rsp_var]) &
                      (df[, predct_var_name] == levels(df[, glb_rsp_var])[2]))
          df[fp, predct_erabs_var_name] <- abs(0 - df[fp, predct_prob_var_name])
          #rowIx <- which.max(df[fp, predct_erabs_var_name]); df[fp, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
          
          # if prediction is a FN (flse -ve), measure distance from 1.0
          fn <- which((df[, predct_var_name] != df[, glb_rsp_var]) &
                      (df[, predct_var_name] == levels(df[, glb_rsp_var])[1]))
          df[fn, predct_erabs_var_name] <- abs(1 - df[fn, predct_prob_var_name])
          #rowIx <- which.max(df[fn, predct_erabs_var_name]); df[fn, c(glbFeatsId, glb_rsp_var, predct_var_name, predct_prob_var_name, predct_erabs_var_name)][rowIx, ]
  
          
          if (verbose) print(head(orderBy(reformulate(c("-", predct_erabs_var_name)), df)))
          
          df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])
        }
    }    
    
    if (glb_is_classification && !glb_is_binomial) {
        df[, predct_var_name] <- predict(mdl, newdata = df, type = "raw")
        probCls <- predict(mdl, newdata = df, type = "prob")        
        df[, predct_prob_var_name] <- NA
        for (cls in names(probCls)) {
            mask <- (df[, predct_var_name] == cls)
            df[mask, predct_prob_var_name] <- probCls[mask, cls]
        }    
        if (verbose) print(myplot_histogram(df, predct_prob_var_name, 
                                            fill_col_name = predct_var_name))
        if (verbose) print(myplot_histogram(df, predct_prob_var_name, 
                                            facet_frmla = paste0("~", glb_rsp_var)))
        
        if (glb_rsp_var %in% names(df)) {
          df[, predct_error_var_name] <- df[, predct_var_name] != df[, glb_rsp_var]
        
          # if prediction is erroneous, measure predicted class prob from actual class prob
          df[, predct_erabs_var_name] <- 0
          for (cls in names(probCls)) {
              mask <- (df[, glb_rsp_var] == cls) & (df[, predct_error_var_name])
              df[mask, predct_erabs_var_name] <- probCls[mask, cls]
          }    
  
          df[, predct_accurate_var_name] <- (df[, glb_rsp_var] == df[, predct_var_name])     
        }  
    }

    return(df)
}    

if (glb_is_classification && glb_is_binomial && 
        (length(unique(glbObsFit[, glb_rsp_var])) < 2))
    stop("glbObsFit$", glb_rsp_var, ": contains less than 2 unique values: ",
         paste0(unique(glbObsFit[, glb_rsp_var]), collapse=", "))

max_cor_y_x_vars <- orderBy(~ -cor.y.abs, 
        subset(glb_feats_df, (exclude.as.feat == 0) & !nzv & !is.cor.y.abs.low & 
                                is.na(cor.high.X)))[1:2, "id"]
max_cor_y_x_vars <- max_cor_y_x_vars[!is.na(max_cor_y_x_vars)]
if (length(max_cor_y_x_vars) < 2)
    max_cor_y_x_vars <- union(max_cor_y_x_vars, ".pos")

if (!is.null(glb_Baseline_mdl_var)) {
    if ((max_cor_y_x_vars[1] != glb_Baseline_mdl_var) & 
        (glb_feats_df[glb_feats_df$id == max_cor_y_x_vars[1], "cor.y.abs"] > 
         glb_feats_df[glb_feats_df$id == glb_Baseline_mdl_var, "cor.y.abs"]))
        stop(max_cor_y_x_vars[1], " has a higher correlation with ", glb_rsp_var, 
             " than the Baseline var: ", glb_Baseline_mdl_var)
}

glb_model_type <- ifelse(glb_is_regression, "regression", "classification")
    
# Model specs
# c("id.prefix", "method", "type",
#   # trainControl params
#   "preProc.method", "cv.n.folds", "cv.n.repeats", "summary.fn",
#   # train params
#   "metric", "metric.maximize", "tune.df")

# Baseline
if (!is.null(glb_Baseline_mdl_var)) {
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                            paste0("fit.models_0_", "Baseline"), major.inc = FALSE,
                                    label.minor = "mybaseln_classfr")
    ret_lst <- myfit_mdl(mdl_id="Baseline", 
                         model_method="mybaseln_classfr",
                        indepVar=glb_Baseline_mdl_var,
                        rsp_var=glb_rsp_var,
                        fit_df=glbObsFit, OOB_df=glbObsOOB)
}    

# Most Frequent Outcome "MFO" model: mean(y) for regression
#   Not using caret's nullModel since model stats not avl
#   Cannot use rpart for multinomial classification since it predicts non-MFO
if (glb_is_classification) {
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                                paste0("fit.models_0_", "MFO"), major.inc = FALSE,
                                        label.minor = "myMFO_classfr")

    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "MFO", type = glb_model_type, trainControl.method = "none",
        train.method = ifelse(glb_is_regression, "lm", "myMFO_classfr"))),
                            indepVar = ".rnorm", rsp_var = glb_rsp_var,
                            fit_df = glbObsFit, OOB_df = glbObsOOB)

        # "random" model - only for classification; 
        #   none needed for regression since it is same as MFO
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                                paste0("fit.models_0_", "Random"), major.inc = FALSE,
                                        label.minor = "myrandom_classfr")

#stop(here"); glb2Sav(); all.equal(glb_models_df, sav_models_df)    
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "Random", type = glb_model_type, trainControl.method = "none",
        train.method = "myrandom_classfr")),
                        indepVar = ".rnorm", rsp_var = glb_rsp_var,
                        fit_df = glbObsFit, OOB_df = glbObsOOB)
}
##              label step_major step_minor   label_minor    bgn    end
## 1 fit.models_0_bgn          1          0         setup 10.638 10.662
## 2 fit.models_0_MFO          1          1 myMFO_classfr 10.662     NA
##   elapsed
## 1   0.024
## 2      NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: MFO###myMFO_classfr"
## [1] "    indepVar: .rnorm"
## [1] "myfit_mdl: setup complete: 0.570000 secs"
## Fitting parameter = none on full training set
## [1] "in MFO.Classifier$fit"
## [1] "unique.vals:"
## [1] N Y
## Levels: N Y
## [1] "unique.prob:"
## y
##         N         Y 
## 0.7379002 0.2620998 
## [1] "MFO.val:"
## [1] "N"
## [1] "myfit_mdl: train complete: 0.820000 secs"
##   parameter
## 1      none
##             Length Class      Mode     
## unique.vals 2      factor     numeric  
## unique.prob 2      table      numeric  
## MFO.val     1      -none-     character
## x.names     1      -none-     character
## xNames      1      -none-     character
## problemType 1      -none-     character
## tuneValue   1      data.frame list     
## obsLevels   2      -none-     character
## Warning in if (mdl_specs_lst[["train.method"]] %in% c("glm"))
## mydisplayOutliers(mdl, : the condition has length > 1 and only the first
## element will be used
## [1] "myfit_mdl: train diagnostics complete: 0.823000 secs"
## Loading required namespace: pROC
## [1] "entr MFO.Classifier$predict"
## [1] "exit MFO.Classifier$predict"
## Loading required package: ROCR
## Loading required package: gplots
## 
## Attaching package: 'gplots'
## The following object is masked from 'package:stats':
## 
##     lowess
## 
## Attaching package: 'ROCR'
## The following object is masked from 'package:mlr':
## 
##     performance
## [1] "in MFO.Classifier$prob"
##           N         Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "mypredict_mdl: maxMetricDf:"
##    threshold   f.score  Accuracy g.score
## 1       0.00 0.4153392 0.2620998       0
## 2       0.05 0.4153392 0.2620998       0
## 3       0.10 0.4153392 0.2620998       0
## 4       0.15 0.4153392 0.2620998       0
## 5       0.20 0.4153392 0.2620998       0
## 6       0.25 0.4153392 0.2620998       0
## 7       0.30 0.0000000 0.7379002       0
## 8       0.35 0.0000000 0.7379002       0
## 9       0.40 0.0000000 0.7379002       0
## 10      0.45 0.0000000 0.7379002       0
## 11      0.50 0.0000000 0.7379002       0
## 12      0.55 0.0000000 0.7379002       0
## 13      0.60 0.0000000 0.7379002       0
## 14      0.65 0.0000000 0.7379002       0
## 15      0.70 0.0000000 0.7379002       0
## 16      0.75 0.0000000 0.7379002       0
## 17      0.80 0.0000000 0.7379002       0
## 18      0.85 0.0000000 0.7379002       0
## 19      0.90 0.0000000 0.7379002       0
## 20      0.95 0.0000000 0.7379002       0
## 21      1.00 0.0000000 0.7379002       0

##          Prediction
## Reference   N   Y
##         N 991   0
##         Y 352   0
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.379002e-01   0.000000e+00   7.135035e-01   7.612513e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   5.143346e-01   4.231759e-78 
## [1] "entr MFO.Classifier$predict"
## [1] "exit MFO.Classifier$predict"
## [1] "in MFO.Classifier$prob"
##           N         Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "mypredict_mdl: maxMetricDf:"
##    threshold   f.score   Accuracy g.score
## 1       0.00 0.1055245 0.05570118       0
## 2       0.05 0.1055245 0.05570118       0
## 3       0.10 0.1055245 0.05570118       0
## 4       0.15 0.1055245 0.05570118       0
## 5       0.20 0.1055245 0.05570118       0
## 6       0.25 0.1055245 0.05570118       0
## 7       0.30 0.0000000 0.94429882       0
## 8       0.35 0.0000000 0.94429882       0
## 9       0.40 0.0000000 0.94429882       0
## 10      0.45 0.0000000 0.94429882       0
## 11      0.50 0.0000000 0.94429882       0
## 12      0.55 0.0000000 0.94429882       0
## 13      0.60 0.0000000 0.94429882       0
## 14      0.65 0.0000000 0.94429882       0
## 15      0.70 0.0000000 0.94429882       0
## 16      0.75 0.0000000 0.94429882       0
## 17      0.80 0.0000000 0.94429882       0
## 18      0.85 0.0000000 0.94429882       0
## 19      0.90 0.0000000 0.94429882       0
## 20      0.95 0.0000000 0.94429882       0
## 21      1.00 0.0000000 0.94429882       0
##          Prediction
## Reference    N    Y
##         N 1441    0
##         Y   85    0
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   9.442988e-01   0.000000e+00   9.315826e-01   9.552688e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   5.288161e-01   8.156649e-20 
## [1] "myfit_mdl: predict complete: 5.873000 secs"
##                    id  feats max.nTuningRuns min.elapsedtime.everything
## 1 MFO###myMFO_classfr .rnorm               0                      0.244
##   min.elapsedtime.final max.AUCpROC.fit max.Sens.fit max.Spec.fit
## 1                 0.004             0.5            1            0
##   max.AUCROCR.fit opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1             0.5                    0.5               0        0.7379002
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.7135035             0.7612513             0
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.5752418             0.5            1            0
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1             0.5                    0.5               0        0.9442988
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.9315826             0.9552688             0
##   min.log.loss.mean.OOB
## 1              0.361602
## [1] "in MFO.Classifier$prob"
##           N         Y
## 1 0.7379002 0.2620998
## 2 0.7379002 0.2620998
## 3 0.7379002 0.2620998
## 4 0.7379002 0.2620998
## 5 0.7379002 0.2620998
## 6 0.7379002 0.2620998
## [1] "myfit_mdl: exit: 5.906000 secs"
##                 label step_major step_minor      label_minor    bgn    end
## 2    fit.models_0_MFO          1          1    myMFO_classfr 10.662 16.571
## 3 fit.models_0_Random          1          2 myrandom_classfr 16.572     NA
##   elapsed
## 2   5.909
## 3      NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Random###myrandom_classfr"
## [1] "    indepVar: .rnorm"
## [1] "myfit_mdl: setup complete: 0.348000 secs"
## Fitting parameter = none on full training set
## [1] "myfit_mdl: train complete: 0.522000 secs"
##   parameter
## 1      none
##             Length Class      Mode     
## unique.vals 2      factor     numeric  
## unique.prob 2      table      numeric  
## xNames      1      -none-     character
## problemType 1      -none-     character
## tuneValue   1      data.frame list     
## obsLevels   2      -none-     character
## Warning in if (mdl_specs_lst[["train.method"]] %in% c("glm"))
## mydisplayOutliers(mdl, : the condition has length > 1 and only the first
## element will be used

## [1] "myfit_mdl: train diagnostics complete: 0.524000 secs"
## [1] "in Random.Classifier$prob"

## [1] "mypredict_mdl: maxMetricDf:"
##    threshold   f.score  Accuracy  g.score
## 7       0.30 0.2715328 0.6284438 0.447459
## 8       0.35 0.2715328 0.6284438 0.447459
## 9       0.40 0.2715328 0.6284438 0.447459
## 10      0.45 0.2715328 0.6284438 0.447459
## 11      0.50 0.2715328 0.6284438 0.447459
## 12      0.55 0.2715328 0.6284438 0.447459
## 13      0.60 0.2715328 0.6284438 0.447459
## 14      0.65 0.2715328 0.6284438 0.447459
## 15      0.70 0.2715328 0.6284438 0.447459

##          Prediction
## Reference   N   Y
##         N 751 240
##         Y 259  93
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##      0.6284438      0.0224150      0.6019692      0.6543549      0.7379002 
## AccuracyPValue  McnemarPValue 
##      1.0000000      0.4203636 
## [1] "in Random.Classifier$prob"

## [1] "mypredict_mdl: maxMetricDf:"
##    threshold    f.score  Accuracy   g.score
## 7       0.30 0.09960159 0.7038008 0.4627179
## 8       0.35 0.09960159 0.7038008 0.4627179
## 9       0.40 0.09960159 0.7038008 0.4627179
## 10      0.45 0.09960159 0.7038008 0.4627179
## 11      0.50 0.09960159 0.7038008 0.4627179
## 12      0.55 0.09960159 0.7038008 0.4627179
## 13      0.60 0.09960159 0.7038008 0.4627179
## 14      0.65 0.09960159 0.7038008 0.4627179
## 15      0.70 0.09960159 0.7038008 0.4627179

##          Prediction
## Reference    N    Y
##         N 1049  392
##         Y   60   25
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.038008e-01   7.782359e-03   6.801885e-01   7.266262e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   1.183701e-54 
## [1] "myfit_mdl: predict complete: 5.829000 secs"
##                          id  feats max.nTuningRuns
## 1 Random###myrandom_classfr .rnorm               0
##   min.elapsedtime.everything min.elapsedtime.final max.AUCpROC.fit
## 1                      0.171                 0.001       0.4924921
##   max.Sens.fit max.Spec.fit max.AUCROCR.fit opt.prob.threshold.fit
## 1     0.740666    0.2443182       0.5110125                    0.5
##   max.f.score.fit max.Accuracy.fit max.AccuracyLower.fit
## 1       0.2715328        0.6284438             0.6019692
##   max.AccuracyUpper.fit max.Kappa.fit min.log.loss.mean.fit
## 1             0.6543549      0.022415             0.6885383
##   max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB max.AUCROCR.OOB
## 1       0.4916929    0.7480916    0.2352941       0.5110422
##   opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1                    0.5      0.09960159        0.7038008
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.6801885             0.7266262   0.007782359
##   min.log.loss.mean.OOB
## 1             0.6105375
## [1] "in Random.Classifier$prob"
## [1] "myfit_mdl: exit: 6.310000 secs"
# Max.cor.Y
#   Check impact of cv
#       rpart is not a good candidate since caret does not optimize cp (only tuning parameter of rpart) well
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                        paste0("fit.models_0_", "Max.cor.Y.rcv.*X*"), major.inc = FALSE,
                                    label.minor = "glmnet")
##                            label step_major step_minor      label_minor
## 3            fit.models_0_Random          1          2 myrandom_classfr
## 4 fit.models_0_Max.cor.Y.rcv.*X*          1          3           glmnet
##      bgn   end elapsed
## 3 16.572 22.89   6.318
## 4 22.890    NA      NA
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
    id.prefix = "Max.cor.Y.rcv.1X1", type = glb_model_type, trainControl.method = "none",
    train.method = "glmnet")),
                    indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var, 
                    fit_df = glbObsFit, OOB_df = glbObsOOB)
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y.rcv.1X1###glmnet"
## [1] "    indepVar: Response.fctr,Datereceived.last8.log1p"
## [1] "myfit_mdl: setup complete: 0.586000 secs"
## Loading required package: glmnet
## Loading required package: Matrix
## Loaded glmnet 2.0-5
## Fitting alpha = 0.1, lambda = 0.0019 on full training set
## [1] "myfit_mdl: train complete: 1.140000 secs"
##   alpha     lambda
## 1   0.1 0.00190116

##             Length Class      Mode     
## a0           63    -none-     numeric  
## beta        378    dgCMatrix  S4       
## df           63    -none-     numeric  
## dim           2    -none-     numeric  
## lambda       63    -none-     numeric  
## dev.ratio    63    -none-     numeric  
## nulldev       1    -none-     numeric  
## npasses       1    -none-     numeric  
## jerr          1    -none-     numeric  
## offset        1    -none-     logical  
## classnames    2    -none-     character
## call          5    -none-     call     
## nobs          1    -none-     numeric  
## lambdaOpt     1    -none-     numeric  
## xNames        6    -none-     character
## problemType   1    -none-     character
## tuneValue     2    data.frame list     
## obsLevels     2    -none-     character
## [1] "min lambda > lambdaOpt:"
##                               (Intercept) 
##                               -1.63862743 
##                  Datereceived.last8.log1p 
##                                0.09364068 
##                       Response.fctrClosed 
##                               -0.52210586 
##     Response.fctrClosedwithmonetaryrelief 
##                               -1.00321532 
## Response.fctrClosedwithnon-monetaryrelief 
##                               -1.18725796 
## [1] "max lambda < lambdaOpt:"
## [1] "Feats mismatch between coefs_left & rght:"
## [1] "(Intercept)"                              
## [2] "Datereceived.last8.log1p"                 
## [3] "Response.fctrClosed"                      
## [4] "Response.fctrClosedwithmonetaryrelief"    
## [5] "Response.fctrClosedwithnon-monetaryrelief"
## [6] "Response.fctrInprogress"                  
## [7] "Response.fctrUntimelyresponse"            
## [1] "myfit_mdl: train diagnostics complete: 1.194000 secs"

##          Prediction
## Reference   N   Y
##         N 554 437
##         Y  85 267
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.113179e-01   2.401343e-01   5.846551e-01   6.374925e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   2.905055e-53

##          Prediction
## Reference   N   Y
##         N 806 635
##         Y  23  62
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   5.688073e-01   6.580874e-02   5.435193e-01   5.938301e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00  2.109655e-125 
## [1] "myfit_mdl: predict complete: 6.121000 secs"
##                           id                                  feats
## 1 Max.cor.Y.rcv.1X1###glmnet Response.fctr,Datereceived.last8.log1p
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               0                      0.551                 0.022
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1             0.5            1            0       0.6893118
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                   0.25       0.5056818        0.6113179
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.5846551             0.6374925     0.2401343
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.5259098             0.5            1            0
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.6828591                   0.35       0.1585678        0.5688073
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.5435193             0.5938301    0.06580874
##   min.log.loss.mean.OOB
## 1             0.3427547
## [1] "myfit_mdl: exit: 6.166000 secs"
if (glbMdlCheckRcv) {
    # rcv_n_folds == 1 & rcv_n_repeats > 1 crashes
    for (rcv_n_folds in seq(3, glb_rcv_n_folds + 2, 2))
        for (rcv_n_repeats in seq(1, glb_rcv_n_repeats + 2, 2)) {
            
            # Experiment specific code to avoid caret crash
    #         lcl_tune_models_df <- rbind(data.frame()
    #                             ,data.frame(method = "glmnet", parameter = "alpha", 
    #                                         vals = "0.100 0.325 0.550 0.775 1.000")
    #                             ,data.frame(method = "glmnet", parameter = "lambda",
    #                                         vals = "9.342e-02")    
    #                                     )
            
            ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst =
                list(
                id.prefix = paste0("Max.cor.Y.rcv.", rcv_n_folds, "X", rcv_n_repeats), 
                type = glb_model_type, 
    # tune.df = lcl_tune_models_df,            
                trainControl.method = "repeatedcv",
                trainControl.number = rcv_n_folds, 
                trainControl.repeats = rcv_n_repeats,
                trainControl.classProbs = glb_is_classification,
                trainControl.summaryFunction = glbMdlMetricSummaryFn,
                train.method = "glmnet", train.metric = glbMdlMetricSummary, 
                train.maximize = glbMdlMetricMaximize)),
                                indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var, 
                                fit_df = glbObsFit, OOB_df = glbObsOOB)
        }
    # Add parallel coordinates graph of glb_models_df[, glbMdlMetricsEval] to evaluate cv parameters
    tmp_models_cols <- c("id", "max.nTuningRuns",
                        glbMdlMetricsEval[glbMdlMetricsEval %in% names(glb_models_df)],
                        grep("opt.", names(glb_models_df), fixed = TRUE, value = TRUE)) 
    print(myplot_parcoord(obs_df = subset(glb_models_df, 
                                          grepl("Max.cor.Y.rcv.", id, fixed = TRUE), 
                                            select = -feats)[, tmp_models_cols],
                          id_var = "id"))
}
        
# Useful for stacking decisions
# fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
#                     paste0("fit.models_0_", "Max.cor.Y[rcv.1X1.cp.0|]"), major.inc = FALSE,
#                                     label.minor = "rpart")
# 
# ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
#     id.prefix = "Max.cor.Y.rcv.1X1.cp.0", type = glb_model_type, trainControl.method = "none",
#     train.method = "rpart",
#     tune.df=data.frame(method="rpart", parameter="cp", min=0.0, max=0.0, by=0.1))),
#                     indepVar=max_cor_y_x_vars, rsp_var=glb_rsp_var, 
#                     fit_df=glbObsFit, OOB_df=glbObsOOB)

#stop(here"); glb2Sav(); all.equal(glb_models_df, sav_models_df)
# if (glb_is_regression || glb_is_binomial) # For multinomials this model will be run next by default
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
                        id.prefix = "Max.cor.Y", 
                        type = glb_model_type, trainControl.method = "repeatedcv",
                        trainControl.number = glb_rcv_n_folds, 
                        trainControl.repeats = glb_rcv_n_repeats,
                        trainControl.classProbs = glb_is_classification,
                        trainControl.summaryFunction = glbMdlMetricSummaryFn,
                        trainControl.blockParallel = glbMdlSequential,                        
                        train.metric = glbMdlMetricSummary, 
                        train.maximize = glbMdlMetricMaximize,    
                        train.method = "rpart")),
                    indepVar = max_cor_y_x_vars, rsp_var = glb_rsp_var, 
                    fit_df = glbObsFit, OOB_df = glbObsOOB)
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y##rcv#rpart"
## [1] "    indepVar: Response.fctr,Datereceived.last8.log1p"
## [1] "myfit_mdl: setup complete: 0.576000 secs"
## Loading required package: rpart
## Aggregating results
## Fitting final model on full training set
## [1] "myfit_mdl: train complete: 1.841000 secs"
##   cp
## 1  0
## Loading required package: rpart.plot

## Call:
## rpart(formula = .outcome ~ ., control = list(minsplit = 20, minbucket = 7, 
##     cp = 0, maxcompete = 4, maxsurrogate = 5, usesurrogate = 2, 
##     surrogatestyle = 0, maxdepth = 30, xval = 0))
##   n= 1343 
## 
##   CP nsplit rel error
## 1  0      0         1
## 
## Node number 1: 1343 observations
##   predicted class=N  expected loss=0.2620998  P(node) =1
##     class counts:   991   352
##    probabilities: 0.738 0.262 
## 
## n= 1343 
## 
## node), split, n, loss, yval, (yprob)
##       * denotes terminal node
## 
## 1) root 1343 352 N (0.7379002 0.2620998) *
## [1] "myfit_mdl: train diagnostics complete: 1.962000 secs"
## [1] "mypredict_mdl: maxMetricDf:"
##    threshold   f.score  Accuracy g.score
## 1       0.00 0.4153392 0.2620998       0
## 2       0.05 0.4153392 0.2620998       0
## 3       0.10 0.4153392 0.2620998       0
## 4       0.15 0.4153392 0.2620998       0
## 5       0.20 0.4153392 0.2620998       0
## 6       0.25 0.4153392 0.2620998       0
## 7       0.30 0.0000000 0.7379002       0
## 8       0.35 0.0000000 0.7379002       0
## 9       0.40 0.0000000 0.7379002       0
## 10      0.45 0.0000000 0.7379002       0
## 11      0.50 0.0000000 0.7379002       0
## 12      0.55 0.0000000 0.7379002       0
## 13      0.60 0.0000000 0.7379002       0
## 14      0.65 0.0000000 0.7379002       0
## 15      0.70 0.0000000 0.7379002       0
## 16      0.75 0.0000000 0.7379002       0
## 17      0.80 0.0000000 0.7379002       0
## 18      0.85 0.0000000 0.7379002       0
## 19      0.90 0.0000000 0.7379002       0
## 20      0.95 0.0000000 0.7379002       0
## 21      1.00 0.0000000 0.7379002       0

##          Prediction
## Reference   N   Y
##         N 991   0
##         Y 352   0
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.379002e-01   0.000000e+00   7.135035e-01   7.612513e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   5.143346e-01   4.231759e-78 
## [1] "mypredict_mdl: maxMetricDf:"
##    threshold   f.score   Accuracy g.score
## 1       0.00 0.1055245 0.05570118       0
## 2       0.05 0.1055245 0.05570118       0
## 3       0.10 0.1055245 0.05570118       0
## 4       0.15 0.1055245 0.05570118       0
## 5       0.20 0.1055245 0.05570118       0
## 6       0.25 0.1055245 0.05570118       0
## 7       0.30 0.0000000 0.94429882       0
## 8       0.35 0.0000000 0.94429882       0
## 9       0.40 0.0000000 0.94429882       0
## 10      0.45 0.0000000 0.94429882       0
## 11      0.50 0.0000000 0.94429882       0
## 12      0.55 0.0000000 0.94429882       0
## 13      0.60 0.0000000 0.94429882       0
## 14      0.65 0.0000000 0.94429882       0
## 15      0.70 0.0000000 0.94429882       0
## 16      0.75 0.0000000 0.94429882       0
## 17      0.80 0.0000000 0.94429882       0
## 18      0.85 0.0000000 0.94429882       0
## 19      0.90 0.0000000 0.94429882       0
## 20      0.95 0.0000000 0.94429882       0
## 21      1.00 0.0000000 0.94429882       0

##          Prediction
## Reference    N    Y
##         N 1441    0
##         Y   85    0
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   9.442988e-01   0.000000e+00   9.315826e-01   9.552688e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   5.288161e-01   8.156649e-20 
## [1] "myfit_mdl: predict complete: 6.808000 secs"
##                     id                                  feats
## 1 Max.cor.Y##rcv#rpart Response.fctr,Datereceived.last8.log1p
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               1                      1.261                 0.013
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1             0.5            1            0             0.5
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.5               0        0.7297093
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.7135035             0.7612513   0.002957175
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.5752418             0.5            1            0
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1             0.5                    0.5               0        0.9442988
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.9315826             0.9552688             0
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1              0.361602         0.01293782      0.01699599
## [1] "myfit_mdl: exit: 6.857000 secs"
if ((length(glbFeatsDateTime) > 0) && 
    (sum(grepl(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\\.", sep = ""),
               names(glbObsAll))) > 0)) {
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                    paste0("fit.models_0_", "Max.cor.Y.Time.Poly"), major.inc = FALSE,
                                    label.minor = "glmnet")

    indepVars <- c(max_cor_y_x_vars, 
            grep(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\\.", sep = ""),
                        names(glbObsAll), value = TRUE))
    indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
            id.prefix = "Max.cor.Y.Time.Poly", 
            type = glb_model_type, trainControl.method = "repeatedcv",
            trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
            trainControl.classProbs = glb_is_classification,
            trainControl.summaryFunction = glbMdlMetricSummaryFn,
            trainControl.blockParallel = glbMdlSequential,            
            train.metric = glbMdlMetricSummary, 
            train.maximize = glbMdlMetricMaximize,    
            train.method = "glmnet")),
        indepVar = indepVars,
        rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)
}
## Warning in grepl(paste(names(glbFeatsDateTime), "\\.day\\.minutes\\.poly\
## \.", : argument 'pattern' has length > 1 and only the first element will be
## used
if ((length(glbFeatsDateTime) > 0) && 
    (sum(grepl(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep = ""),
               names(glbObsAll))) > 0)) {
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                    paste0("fit.models_0_", "Max.cor.Y.Time.Lag"), major.inc = FALSE,
                                    label.minor = "glmnet")

    indepVars <- c(max_cor_y_x_vars, 
            grep(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep = ""),
                        names(glbObsAll), value = TRUE))
    indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "Max.cor.Y.Time.Lag", 
        type = glb_model_type, 
        tune.df = glbMdlTuneParams,        
        trainControl.method = "repeatedcv",
        trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
        trainControl.classProbs = glb_is_classification,
        trainControl.summaryFunction = glbMdlMetricSummaryFn,
        trainControl.blockParallel = glbMdlSequential,        
        train.metric = glbMdlMetricSummary, 
        train.maximize = glbMdlMetricMaximize,    
        train.method = "glmnet")),
        indepVar = indepVars,
        rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)
}
## Warning in grepl(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep =
## ""), : argument 'pattern' has length > 1 and only the first element will be
## used
##                             label step_major step_minor label_minor    bgn
## 4  fit.models_0_Max.cor.Y.rcv.*X*          1          3      glmnet 22.890
## 5 fit.models_0_Max.cor.Y.Time.Lag          1          4      glmnet 35.937
##      end elapsed
## 4 35.936  13.047
## 5     NA      NA
## Warning in grep(paste(names(glbFeatsDateTime), "\\.last[[:digit:]]", sep =
## ""), : argument 'pattern' has length > 1 and only the first element will be
## used
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Max.cor.Y.Time.Lag##rcv#glmnet"
## [1] "    indepVar: Response.fctr,Datereceived.last8.log1p,Datereceived.last2.log1p,Datereceived.last4.log1p,Datereceived.last8.log1p,Datereceived.last16.log1p,Datereceived.last32.log1p"
## [1] "myfit_mdl: setup complete: 0.644000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 3.347000 secs"
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Max.cor.Y.Time.Lag", : model's bestTune found at an
## extreme of tuneGrid for parameter: alpha
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Max.cor.Y.Time.Lag", : model's bestTune found at an
## extreme of tuneGrid for parameter: lambda

##             Length Class      Mode     
## a0           66    -none-     numeric  
## beta        660    dgCMatrix  S4       
## df           66    -none-     numeric  
## dim           2    -none-     numeric  
## lambda       66    -none-     numeric  
## dev.ratio    66    -none-     numeric  
## nulldev       1    -none-     numeric  
## npasses       1    -none-     numeric  
## jerr          1    -none-     numeric  
## offset        1    -none-     logical  
## classnames    2    -none-     character
## call          5    -none-     call     
## nobs          1    -none-     numeric  
## lambdaOpt     1    -none-     numeric  
## xNames       10    -none-     character
## problemType   1    -none-     character
## tuneValue     2    data.frame list     
## obsLevels     2    -none-     character
## [1] "min lambda > lambdaOpt:"
##                               (Intercept) 
##                              -1.792495184 
##                 Datereceived.last16.log1p 
##                               0.023792062 
##                  Datereceived.last2.log1p 
##                               0.024896229 
##                 Datereceived.last32.log1p 
##                               0.008381413 
##                  Datereceived.last4.log1p 
##                               0.013468106 
##                  Datereceived.last8.log1p 
##                               0.037402624 
##                       Response.fctrClosed 
##                              -0.232705533 
##     Response.fctrClosedwithmonetaryrelief 
##                              -0.711434710 
## Response.fctrClosedwithnon-monetaryrelief 
##                              -0.752658065 
## [1] "max lambda < lambdaOpt:"
##                               (Intercept) 
##                              -1.791309667 
##                 Datereceived.last16.log1p 
##                               0.024035826 
##                  Datereceived.last2.log1p 
##                               0.025345467 
##                 Datereceived.last32.log1p 
##                               0.007895129 
##                  Datereceived.last4.log1p 
##                               0.013132583 
##                  Datereceived.last8.log1p 
##                               0.038278671 
##                       Response.fctrClosed 
##                              -0.258047309 
##     Response.fctrClosedwithmonetaryrelief 
##                              -0.731214082 
## Response.fctrClosedwithnon-monetaryrelief 
##                              -0.778469036 
## [1] "myfit_mdl: train diagnostics complete: 3.701000 secs"

##          Prediction
## Reference   N   Y
##         N 553 438
##         Y  85 267
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.105733e-01   2.392056e-01   5.839031e-01   6.367585e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   1.855462e-53

##          Prediction
## Reference   N   Y
##         N 906 535
##         Y  28  57
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.310616e-01   7.863484e-02   6.062908e-01   6.553268e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00  6.604717e-101 
## [1] "myfit_mdl: predict complete: 9.098000 secs"
##                               id
## 1 Max.cor.Y.Time.Lag##rcv#glmnet
##                                                                                                                                                                   feats
## 1 Response.fctr,Datereceived.last8.log1p,Datereceived.last2.log1p,Datereceived.last4.log1p,Datereceived.last8.log1p,Datereceived.last16.log1p,Datereceived.last32.log1p
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1              20                      2.699                 0.028
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1             0.5            1            0       0.6963782
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                   0.25       0.5052034        0.7379029
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.5839031             0.6367585             0
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.5256363             0.5            1            0
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.6912112                    0.3         0.16839        0.6310616
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.6062908             0.6553268    0.07863484
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3386712        0.001826253               0
## [1] "myfit_mdl: exit: 9.144000 secs"
if (length(glbFeatsText) > 0) {
    fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                    paste0("fit.models_0_", "Txt.*"), major.inc = FALSE,
                                    label.minor = "glmnet")

    indepVars <- c(max_cor_y_x_vars)
    for (txtFeat in names(glbFeatsText))
        indepVars <- union(indepVars, 
            grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.(?!([T|P]\\.))", sep = ""),
                        names(glbObsAll), perl = TRUE, value = TRUE))
    indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "Max.cor.Y.Text.nonTP", 
        type = glb_model_type, 
        tune.df = glbMdlTuneParams,        
        trainControl.method = "repeatedcv",
        trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
        trainControl.classProbs = glb_is_classification,
        trainControl.summaryFunction = glbMdlMetricSummaryFn,
        trainControl.blockParallel = glbMdlSequential,                                
        train.metric = glbMdlMetricSummary, 
        train.maximize = glbMdlMetricMaximize,    
        train.method = "glmnet")),
        indepVar = indepVars,
        rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)

    indepVars <- c(max_cor_y_x_vars)
    for (txtFeat in names(glbFeatsText))
        indepVars <- union(indepVars, 
            grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.T\\.", sep = ""),
                        names(glbObsAll), perl = TRUE, value = TRUE))
    indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "Max.cor.Y.Text.onlyT", 
        type = glb_model_type, 
        tune.df = glbMdlTuneParams,        
        trainControl.method = "repeatedcv",
        trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
        trainControl.classProbs = glb_is_classification,
        trainControl.summaryFunction = glbMdlMetricSummaryFn,
        train.metric = glbMdlMetricSummary, 
        train.maximize = glbMdlMetricMaximize,    
        train.method = "glmnet")),
        indepVar = indepVars,
        rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)

    indepVars <- c(max_cor_y_x_vars)
    for (txtFeat in names(glbFeatsText))
        indepVars <- union(indepVars, 
            grep(paste(str_to_upper(substr(txtFeat, 1, 1)), "\\.P\\.", sep = ""),
                        names(glbObsAll), perl = TRUE, value = TRUE))
    indepVars <- myadjustInteractionFeats(glb_feats_df, indepVars)
    ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
        id.prefix = "Max.cor.Y.Text.onlyP", 
        type = glb_model_type, 
        tune.df = glbMdlTuneParams,        
        trainControl.method = "repeatedcv",
        trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
        trainControl.classProbs = glb_is_classification,
        trainControl.summaryFunction = glbMdlMetricSummaryFn,
        trainControl.blockParallel = glbMdlSequential,        
        train.metric = glbMdlMetricSummary, 
        train.maximize = glbMdlMetricMaximize,    
        train.method = "glmnet")),
        indepVar = indepVars,
        rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)
}

# # Interactions.High.cor.Y - Failing for CFPB
# if (length(int_feats <- setdiff(setdiff(unique(glb_feats_df$cor.high.X), NA), 
#                                 subset(glb_feats_df, nzv)$id)) > 0) {
#     fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
#                     paste0("fit.models_0_", "Interact.High.cor.Y"), major.inc = FALSE,
#                                     label.minor = "glmnet")
# 
#     ret_lst <- myfit_mdl(mdl_specs_lst=myinit_mdl_specs_lst(mdl_specs_lst=list(
#         id.prefix="Interact.High.cor.Y", 
#         type=glb_model_type, trainControl.method="repeatedcv",
#         trainControl.number=glb_rcv_n_folds, trainControl.repeats=glb_rcv_n_repeats,
#         trainControl.classProbs = glb_is_classification,
#         trainControl.summaryFunction = glbMdlMetricSummaryFn,
#         trainControl.blockParallel = glbMdlSequential,
#         train.metric = glbMdlMetricSummary, 
#         train.maximize = glbMdlMetricMaximize,    
#         train.method="glmnet")),
#         indepVar=c(max_cor_y_x_vars, paste(max_cor_y_x_vars[1], int_feats, sep=":")),
#         rsp_var=glb_rsp_var, 
#         fit_df=glbObsFit, OOB_df=glbObsOOB)
# }    

# Low.cor.X
fit.models_0_chunk_df <- myadd_chunk(fit.models_0_chunk_df, 
                        paste0("fit.models_0_", "Low.cor.X"), major.inc = FALSE,
                                     label.minor = "glmnet")
##                             label step_major step_minor label_minor    bgn
## 5 fit.models_0_Max.cor.Y.Time.Lag          1          4      glmnet 35.937
## 6          fit.models_0_Low.cor.X          1          5      glmnet 45.108
##      end elapsed
## 5 45.108   9.171
## 6     NA      NA
indepVar <- mygetIndepVar(glb_feats_df)
indepVar <- setdiff(indepVar, unique(glb_feats_df$cor.high.X))
ret_lst <- myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst = list(
            id.prefix = "Low.cor.X", 
            type = glb_model_type, 
            tune.df = glbMdlTuneParams,        
            trainControl.method = "repeatedcv",
            trainControl.number = glb_rcv_n_folds, trainControl.repeats = glb_rcv_n_repeats,
            trainControl.classProbs = glb_is_classification,
            trainControl.summaryFunction = glbMdlMetricSummaryFn,
            trainControl.blockParallel = glbMdlSequential,
            train.metric = glbMdlMetricSummary, 
            train.maximize = glbMdlMetricMaximize,    
            train.method = "glmnet")),
        indepVar = indepVar, rsp_var = glb_rsp_var, 
        fit_df = glbObsFit, OOB_df = glbObsOOB)
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: Low.cor.X##rcv#glmnet"
## [1] "    indepVar: Datesenttocompany.last8.log1p,Datesenttocompany.last4.log1p,Datesenttocompany.last2.log1p,Datesenttocompany.last16.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,Datesenttocompany.month.fctr,Datesenttocompany.juliandate,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.823000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 8.880000 secs"
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Low.cor.X", : model's bestTune found at an extreme of
## tuneGrid for parameter: alpha
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = "Low.cor.X", : model's bestTune found at an extreme of
## tuneGrid for parameter: lambda

##             Length Class      Mode     
## a0             85  -none-     numeric  
## beta        21675  dgCMatrix  S4       
## df             85  -none-     numeric  
## dim             2  -none-     numeric  
## lambda         85  -none-     numeric  
## dev.ratio      85  -none-     numeric  
## nulldev         1  -none-     numeric  
## npasses         1  -none-     numeric  
## jerr            1  -none-     numeric  
## offset          1  -none-     logical  
## classnames      2  -none-     character
## call            5  -none-     call     
## nobs            1  -none-     numeric  
## lambdaOpt       1  -none-     numeric  
## xNames        255  -none-     character
## problemType     1  -none-     character
## tuneValue       2  data.frame list     
## obsLevels       2  -none-     character
## [1] "min lambda > lambdaOpt:"
##                                   (Intercept) 
##                                  -1.307856067 
##                               Channel.fctrFax 
##                                  -1.141830702 
##                             Channel.fctrPhone 
##                                  -0.430508796 
##                        Channel.fctrPostalmail 
##                                  -0.123538072 
##                          Channel.fctrReferral 
##                                  -0.345476855 
##                      Datereceived.wkday.fctr1 
##                                   0.042325090 
##                      Datereceived.wkday.fctr4 
##                                   0.040478536 
##                      Datereceived.wkday.fctr5 
##                                   0.038522133 
##             Datesenttocompany.date.fctr(7,13] 
##                                   0.025090996 
##            Datesenttocompany.date.fctr(25,31] 
##                                  -0.007735493 
##                Datesenttocompany.last16.log1p 
##                                   0.009394693 
##                 Datesenttocompany.last2.log1p 
##                                   0.030234257 
##                 Datesenttocompany.last4.log1p 
##                                   0.009098532 
##                 Datesenttocompany.last8.log1p 
##                                   0.023173352 
##                Datesenttocompany.month.fctr03 
##                                  -0.230812198 
##                Datesenttocompany.month.fctr04 
##                                   0.008265995 
##                Datesenttocompany.month.fctr05 
##                                   0.199237242 
##                Datesenttocompany.month.fctr06 
##                                  -0.521678538 
##                Datesenttocompany.month.fctr07 
##                                   0.337694729 
##                Datesenttocompany.month.fctr08 
##                                   0.111623743 
##                Datesenttocompany.month.fctr09 
##                                   0.187552281 
##                Datesenttocompany.month.fctr10 
##                                  -0.068183420 
##                Datesenttocompany.month.fctr11 
##                                  -0.218999142 
##                Datesenttocompany.month.fctr12 
##                                   0.079673391 
##                 Datesenttocompany.wkday.fctr1 
##                                   0.042262567 
##                 Datesenttocompany.wkday.fctr4 
##                                   0.040394125 
##                 Datesenttocompany.wkday.fctr5 
##                                   0.038534131 
##                       Datesenttocompany.wkend 
##                                  -0.347569878 
##               Datesenttocompany.year.fctr2016 
##                                   0.208931891 
##                           Response.fctrClosed 
##                                  -0.010000253 
##         Response.fctrClosedwithmonetaryrelief 
##                                  -0.741864763 
##     Response.fctrClosedwithnon-monetaryrelief 
##                                  -0.694130652 
##               Rgn.Dvn.fctrMW#EastNorthCentral 
##                                  -0.198372383 
##               Rgn.Dvn.fctrMW#WestNorthCentral 
##                                  -0.197166683 
##                          Rgn.Dvn.fctrOT#Other 
##                                  -0.044210515 
##               Rgn.Dvn.fctrSH#EastSouthCentral 
##                                  -0.235075717 
##                       Rgn.Dvn.fctrWT#Mountain 
##                                   0.093133210 
##                        Rgn.Dvn.fctrWT#Pacific 
##                                   0.164348055 
##                                 Sent.Recd.Dys 
##                                  -0.004123134 
##                            Sent.Recd.Dys.nexp 
##                                   0.031038508 
##                           Sent.Recd.Dys.root2 
##                                  -0.045669552 
##                 gCConsent.fctrConsentprovided 
##                                  -0.005760487 
##                           gCConsent.fctrOther 
##                                   0.210553711 
##                             gCompany.fctrAmex 
##                                   0.548757665 
##     gCompany.fctrBlackhawkNetworkHoldingsInc. 
##                                   0.193472174 
##                         gCompany.fctrCitibank 
##                                   0.115922031 
##                         gCompany.fctrComerica 
##                                   0.013831917 
## gCompany.fctrNetSpendCorporation,aTSYSCompany 
##                                  -0.469206733 
##                      gCompany.fctrU.S.Bancorp 
##                                  -0.008530408 
##                        gSPrd.fctrMobilewallet 
##                                   0.149179277 
##                  gSPrd.fctrGiftormerchantcard 
##                                   0.147473986 
##                         gSPrd.fctrPayrollcard 
##                                  -0.295505927 
##                       gTags.fctrOlderAmerican 
##                                   0.235397492 
##                       gTags.fctrServicemember 
##                                   0.476545215 
##              gSPrd.fctrOther:.clusterid.fctr2 
##                                   0.446816309 
##        gSPrd.fctrPayrollcard:.clusterid.fctr2 
##                                   0.037433462 
##      gSPrd.fctrIDprepaidcard:.clusterid.fctr2 
##                                  -0.166417249 
##       gSPrd.fctrMobilewallet:.clusterid.fctr3 
##                                   0.564704739 
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 
##                                   0.179531260 
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 
##                                  -0.178155970 
##              gSPrd.fctrOther:.clusterid.fctr4 
##                                  -0.446409693 
## [1] "max lambda < lambdaOpt:"
##                                   (Intercept) 
##                                  -1.311243125 
##                               Channel.fctrFax 
##                                  -1.228951787 
##                             Channel.fctrPhone 
##                                  -0.455072961 
##                        Channel.fctrPostalmail 
##                                  -0.147725376 
##                          Channel.fctrReferral 
##                                  -0.371384394 
##                      Datereceived.wkday.fctr1 
##                                   0.047035109 
##                      Datereceived.wkday.fctr4 
##                                   0.044189329 
##                      Datereceived.wkday.fctr5 
##                                   0.044519243 
##             Datesenttocompany.date.fctr(7,13] 
##                                   0.028924704 
##            Datesenttocompany.date.fctr(25,31] 
##                                  -0.012472965 
##                Datesenttocompany.last16.log1p 
##                                   0.009343827 
##                 Datesenttocompany.last2.log1p 
##                                   0.031290110 
##                 Datesenttocompany.last4.log1p 
##                                   0.008721439 
##                 Datesenttocompany.last8.log1p 
##                                   0.023471247 
##                Datesenttocompany.month.fctr03 
##                                  -0.242321062 
##                Datesenttocompany.month.fctr04 
##                                   0.018194161 
##                Datesenttocompany.month.fctr05 
##                                   0.208397332 
##                Datesenttocompany.month.fctr06 
##                                  -0.538624012 
##                Datesenttocompany.month.fctr07 
##                                   0.349895071 
##                Datesenttocompany.month.fctr08 
##                                   0.122028575 
##                Datesenttocompany.month.fctr09 
##                                   0.196628445 
##                Datesenttocompany.month.fctr10 
##                                  -0.057725826 
##                Datesenttocompany.month.fctr11 
##                                  -0.223812406 
##                Datesenttocompany.month.fctr12 
##                                   0.089935456 
##                 Datesenttocompany.wkday.fctr1 
##                                   0.046968564 
##                 Datesenttocompany.wkday.fctr4 
##                                   0.044103485 
##                 Datesenttocompany.wkday.fctr5 
##                                   0.044473402 
##                       Datesenttocompany.wkend 
##                                  -0.362015627 
##               Datesenttocompany.year.fctr2016 
##                                   0.216480985 
##                           Response.fctrClosed 
##                                  -0.027230038 
##         Response.fctrClosedwithmonetaryrelief 
##                                  -0.766253555 
##     Response.fctrClosedwithnon-monetaryrelief 
##                                  -0.720732077 
##               Rgn.Dvn.fctrMW#EastNorthCentral 
##                                  -0.206542272 
##               Rgn.Dvn.fctrMW#WestNorthCentral 
##                                  -0.209617798 
##                          Rgn.Dvn.fctrOT#Other 
##                                  -0.055535582 
##               Rgn.Dvn.fctrSH#EastSouthCentral 
##                                  -0.248630226 
##                       Rgn.Dvn.fctrWT#Mountain 
##                                   0.099924343 
##                        Rgn.Dvn.fctrWT#Pacific 
##                                   0.166499531 
##                                 Sent.Recd.Dys 
##                                  -0.004192611 
##                            Sent.Recd.Dys.nexp 
##                                   0.034911787 
##                           Sent.Recd.Dys.root2 
##                                  -0.045110552 
##                 gCConsent.fctrConsentprovided 
##                                  -0.015652874 
##                           gCConsent.fctrOther 
##                                   0.215344343 
##                             gCompany.fctrAmex 
##                                   0.559369219 
##     gCompany.fctrBlackhawkNetworkHoldingsInc. 
##                                   0.203089961 
##                         gCompany.fctrCitibank 
##                                   0.118135213 
##                         gCompany.fctrComerica 
##                                   0.023897824 
## gCompany.fctrNetSpendCorporation,aTSYSCompany 
##                                  -0.486623018 
##                      gCompany.fctrU.S.Bancorp 
##                                  -0.016783704 
##                        gSPrd.fctrMobilewallet 
##                                   0.158219714 
##                  gSPrd.fctrGiftormerchantcard 
##                                   0.154964007 
##                         gSPrd.fctrPayrollcard 
##                                  -0.309210163 
##                       gTags.fctrOlderAmerican 
##                                   0.247291062 
##                       gTags.fctrServicemember 
##                                   0.495143013 
##              gSPrd.fctrOther:.clusterid.fctr2 
##                                   0.472450907 
##        gSPrd.fctrPayrollcard:.clusterid.fctr2 
##                                   0.080679568 
##      gSPrd.fctrIDprepaidcard:.clusterid.fctr2 
##                                  -0.190042694 
##       gSPrd.fctrMobilewallet:.clusterid.fctr3 
##                                   0.585429572 
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 
##                                   0.204758621 
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 
##                                  -0.181434425 
##              gSPrd.fctrOther:.clusterid.fctr4 
##                                  -0.494548783 
## [1] "myfit_mdl: train diagnostics complete: 9.256000 secs"

##          Prediction
## Reference   N   Y
##         N 711 280
##         Y 112 240
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.081162e-01   3.460304e-01   6.829924e-01   7.323258e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   9.935847e-01   3.318442e-17

##          Prediction
## Reference    N    Y
##         N 1014  427
##         Y   29   56
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.011796e-01   1.131729e-01   6.775142e-01   7.240682e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   3.784116e-77 
## [1] "myfit_mdl: predict complete: 15.429000 secs"
##                      id
## 1 Low.cor.X##rcv#glmnet
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      feats
## 1 Datesenttocompany.last8.log1p,Datesenttocompany.last4.log1p,Datesenttocompany.last2.log1p,Datesenttocompany.last16.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,Datesenttocompany.month.fctr,Datesenttocompany.juliandate,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1              25                      8.038                 0.213
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.5841637    0.9808274       0.1875        0.775981
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.3       0.5504587        0.7547889
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.6829924             0.7323258     0.1719669
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.4810471       0.5926644    0.9500347    0.2352941
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.7259379                    0.3       0.1971831        0.7011796
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.6775142             0.7240682     0.1131729
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3326883         0.01556642      0.05490569
## [1] "myfit_mdl: exit: 15.524000 secs"
fit.models_0_chunk_df <- 
    myadd_chunk(fit.models_0_chunk_df, "fit.models_0_end", major.inc = FALSE,
                label.minor = "teardown")
##                    label step_major step_minor label_minor    bgn   end
## 6 fit.models_0_Low.cor.X          1          5      glmnet 45.108 60.67
## 7       fit.models_0_end          1          6    teardown 60.671    NA
##   elapsed
## 6  15.562
## 7      NA
rm(ret_lst)

glb_chunks_df <- myadd_chunk(glb_chunks_df, "fit.models", major.inc = FALSE)
##        label step_major step_minor label_minor    bgn    end elapsed
## 2 fit.models          2          0           0  9.955 60.686  50.732
## 3 fit.models          2          1           1 60.687     NA      NA
if (!is.null(glbChunks$first) && (glbChunks$first == "fit.models_1") &&
    (is.null(knitr::opts_current$get(name = 'label')))) # not knitting
    myloadChunk(glbChunks$inpFilePathName, keepSpec = c(NULL), dropSpec = c(NULL))
##              label step_major step_minor label_minor    bgn end elapsed
## 1 fit.models_1_bgn          1          0       setup 63.563  NA      NA
##                label step_major step_minor label_minor    bgn    end
## 1   fit.models_1_bgn          1          0       setup 63.563 63.571
## 2 fit.models_1_All.X          1          1       setup 63.572     NA
##   elapsed
## 1   0.008
## 2      NA
##                label step_major step_minor label_minor    bgn    end
## 2 fit.models_1_All.X          1          1       setup 63.572 63.576
## 3 fit.models_1_All.X          1          2         gbm 63.577     NA
##   elapsed
## 2   0.004
## 3      NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#gbm"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.615000 secs"
## Loading required package: gbm
## Loading required package: survival
## 
## Attaching package: 'survival'
## The following object is masked from 'package:caret':
## 
##     cluster
## Loading required package: splines
## Loaded gbm 2.1.1
## Aggregating results
## Selecting tuning parameters
## Fitting n.trees = 50, interaction.depth = 4, shrinkage = 0.1, n.minobsinnode = 10 on full training set
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.
## Iter   TrainDeviance   ValidDeviance   StepSize   Improve
##      1        1.1345             nan     0.1000    0.0072
##      2        1.1169             nan     0.1000    0.0076
##      3        1.1066             nan     0.1000    0.0022
##      4        1.0921             nan     0.1000    0.0046
##      5        1.0793             nan     0.1000    0.0040
##      6        1.0705             nan     0.1000    0.0012
##      7        1.0592             nan     0.1000    0.0030
##      8        1.0519             nan     0.1000   -0.0005
##      9        1.0443             nan     0.1000    0.0012
##     10        1.0374             nan     0.1000    0.0009
##     20        0.9780             nan     0.1000   -0.0009
##     40        0.9156             nan     0.1000   -0.0008
##     50        0.8929             nan     0.1000   -0.0009
## 
## [1] "myfit_mdl: train complete: 88.325000 secs"
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: n.trees
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: shrinkage
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: n.minobsinnode

##                                                                                                                                                     var
## Datereceived.juliandate                                                                                                         Datereceived.juliandate
## Datereceived.last32.log1p                                                                                                     Datereceived.last32.log1p
## .rnorm                                                                                                                                           .rnorm
## Response.fctrClosedwithmonetaryrelief                                                                             Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex                                                                                                                     gCompany.fctrAmex
## Datereceived.last16.log1p                                                                                                     Datereceived.last16.log1p
## Datereceived.last2.log1p                                                                                                       Datereceived.last2.log1p
## Datereceived.last4.log1p                                                                                                       Datereceived.last4.log1p
## Sent.Recd.Dys                                                                                                                             Sent.Recd.Dys
## Datereceived.month.fctr07                                                                                                     Datereceived.month.fctr07
## Datereceived.year.fctr2016                                                                                                   Datereceived.year.fctr2016
## Datereceived.last8.log1p                                                                                                       Datereceived.last8.log1p
## Sent.Recd.Dys.nexp                                                                                                                   Sent.Recd.Dys.nexp
## Datereceived.wkend                                                                                                                   Datereceived.wkend
## Channel.fctrPhone                                                                                                                     Channel.fctrPhone
## Response.fctrClosedwithnon-monetaryrelief                                                                     Response.fctrClosedwithnon-monetaryrelief
## gTags.fctrServicemember                                                                                                         gTags.fctrServicemember
## gCompany.fctrCitibank                                                                                                             gCompany.fctrCitibank
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                                             gCompany.fctrNetSpendCorporation,aTSYSCompany
## Rgn.Dvn.fctrWT#Pacific                                                                                                           Rgn.Dvn.fctrWT#Pacific
## Datereceived.month.fctr06                                                                                                     Datereceived.month.fctr06
## Datereceived.month.fctr09                                                                                                     Datereceived.month.fctr09
## gSPrd.fctrMobilewallet                                                                                                           gSPrd.fctrMobilewallet
## Channel.fctrReferral                                                                                                               Channel.fctrReferral
## Datereceived.month.fctr05                                                                                                     Datereceived.month.fctr05
## Rgn.Dvn.fctrMW#EastNorthCentral                                                                                         Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrPayrollcard                                                                                                             gSPrd.fctrPayrollcard
## gSPrd.fctrOther:.clusterid.fctr2                                                                                       gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard                                                                                               gSPrd.fctrGeneralpurposecard
## gCConsent.fctrConsentprovided                                                                                             gCConsent.fctrConsentprovided
## Datereceived.month.fctr08                                                                                                     Datereceived.month.fctr08
## gCompany.fctrOther                                                                                                                   gCompany.fctrOther
## Datereceived.year.fctr2015                                                                                                   Datereceived.year.fctr2015
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                                                 Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## gCConsent.fctrOther                                                                                                                 gCConsent.fctrOther
## gSPrd.fctrGiftormerchantcard                                                                                               gSPrd.fctrGiftormerchantcard
## gCompany.fctrComerica                                                                                                             gCompany.fctrComerica
## Datereceived.wkday.fctr4                                                                                                       Datereceived.wkday.fctr4
## gSPrd.fctrIDprepaidcard                                                                                                         gSPrd.fctrIDprepaidcard
## Datereceived.month.fctr03                                                                                                     Datereceived.month.fctr03
## .clusterid                                                                                                                                   .clusterid
## Channel.fctrFax                                                                                                                         Channel.fctrFax
## Channel.fctrPostalmail                                                                                                           Channel.fctrPostalmail
## Datereceived.date.fctr(7,13]                                                                                               Datereceived.date.fctr(7,13]
## Datereceived.date.fctr(13,19]                                                                                             Datereceived.date.fctr(13,19]
## Datereceived.date.fctr(19,25]                                                                                             Datereceived.date.fctr(19,25]
## Datereceived.date.fctr(25,31]                                                                                             Datereceived.date.fctr(25,31]
## Datereceived.month.fctr02                                                                                                     Datereceived.month.fctr02
## Datereceived.month.fctr04                                                                                                     Datereceived.month.fctr04
## Datereceived.month.fctr10                                                                                                     Datereceived.month.fctr10
## Datereceived.month.fctr11                                                                                                     Datereceived.month.fctr11
## Datereceived.month.fctr12                                                                                                     Datereceived.month.fctr12
## Datereceived.wkday.fctr1                                                                                                       Datereceived.wkday.fctr1
## Datereceived.wkday.fctr2                                                                                                       Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3                                                                                                       Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5                                                                                                       Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6                                                                                                       Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13]                                                                                     Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19]                                                                                   Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25]                                                                                   Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31]                                                                                   Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate                                                                                               Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p                                                                                           Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p                                                                                             Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p                                                                                           Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p                                                                                             Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p                                                                                             Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02                                                                                           Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03                                                                                           Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04                                                                                           Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05                                                                                           Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06                                                                                           Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07                                                                                           Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08                                                                                           Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09                                                                                           Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10                                                                                           Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11                                                                                           Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12                                                                                           Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1                                                                                             Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2                                                                                             Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3                                                                                             Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4                                                                                             Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5                                                                                             Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6                                                                                             Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend                                                                                                         Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015                                                                                         Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016                                                                                         Datesenttocompany.year.fctr2016
## Response.fctrClosed                                                                                                                 Response.fctrClosed
## Response.fctrInprogress                                                                                                         Response.fctrInprogress
## Response.fctrUntimelyresponse                                                                                             Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral                                                                                         Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                                                   Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other                                                                                                               Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#EastSouthCentral                                                                                         Rgn.Dvn.fctrSH#EastSouthCentral
## Rgn.Dvn.fctrSH#WestSouthCentral                                                                                         Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain                                                                                                         Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p                                                                                                                 Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2                                                                                                                 Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided                                                                                       gCConsent.fctrConsentnotprovided
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                                                     gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrPayPalHoldings,Inc.                                                                                       gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp                                                                                                       gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan                                                                                                             gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount                                                                                                     gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage                                                                                 gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                                                   gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow                                                                                                               gSPrd.fctrIdonotknow
## gSPrd.fctr                                                                                                                                   gSPrd.fctr
## gSPrd.fctrOthermortgage                                                                                                         gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard                                                                                                               gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                                             gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service                                                                                   gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan                                                                                       gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage                                                                                                             gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit                                                                                   gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit                                                                           gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease                                                                                                           gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount                                                                                                       gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan                                                                                               gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage                                                                                                                   gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage                                                                                                     gSPrd.fctrReversemortgage
## gSPrd.fctrAuto                                                                                                                           gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan                                                                                                     gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical                                                                                                                     gSPrd.fctrMedical
## gSPrd.fctrVAmortgage                                                                                                               gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer                                                                                 gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer                                                                               gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit                                                                                           gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage                                                                                                       gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount                                                                         gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan                                                                                                               gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing                                                                                                           gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard                                                                           gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan                                                                                                                 gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange                                                                                     gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck                                                                                     gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement                                                                                                       gSPrd.fctrDebtsettlement
## gSPrd.fctrCreditrepair                                                                                                           gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan                                                                                                                   gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder                                                                                                               gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                                   gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing                                                                             gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican                                                                                                         gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember                                                                               gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2                                                                                                 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                                             gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2                                                                                 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2                                                                                         gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2                                                                                   gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                                               gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3                                                                                       gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3                                                                                                 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                                             gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3                                                                                 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3                                                                                         gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3                                                                                   gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                                               gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4                                                                                       gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4                                                                                                 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                                             gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4                                                                                 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4                                                                                         gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4                                                                                   gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                                               gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
##                                                                                rel.inf
## Datereceived.juliandate                                                     11.6942793
## Datereceived.last32.log1p                                                   10.4663268
## .rnorm                                                                      10.0440344
## Response.fctrClosedwithmonetaryrelief                                        7.5708353
## gCompany.fctrAmex                                                            7.5153939
## Datereceived.last16.log1p                                                    4.6495452
## Datereceived.last2.log1p                                                     4.3109082
## Datereceived.last4.log1p                                                     4.2109105
## Sent.Recd.Dys                                                                3.0803032
## Datereceived.month.fctr07                                                    3.0723298
## Datereceived.year.fctr2016                                                   2.5797180
## Datereceived.last8.log1p                                                     2.2840333
## Sent.Recd.Dys.nexp                                                           2.1042874
## Datereceived.wkend                                                           2.0596648
## Channel.fctrPhone                                                            1.9900650
## Response.fctrClosedwithnon-monetaryrelief                                    1.7181929
## gTags.fctrServicemember                                                      1.5922156
## gCompany.fctrCitibank                                                        1.4706241
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                1.4065563
## Rgn.Dvn.fctrWT#Pacific                                                       1.3916654
## Datereceived.month.fctr06                                                    1.2963442
## Datereceived.month.fctr09                                                    1.2819048
## gSPrd.fctrMobilewallet                                                       1.2364620
## Channel.fctrReferral                                                         1.1969326
## Datereceived.month.fctr05                                                    1.1793508
## Rgn.Dvn.fctrMW#EastNorthCentral                                              1.1085385
## gSPrd.fctrPayrollcard                                                        0.9842425
## gSPrd.fctrOther:.clusterid.fctr2                                             0.7533706
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                      0.6205197
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                0.6168959
## gSPrd.fctrGeneralpurposecard                                                 0.5345991
## gCConsent.fctrConsentprovided                                                0.5253100
## Datereceived.month.fctr08                                                    0.5008988
## gCompany.fctrOther                                                           0.4432724
## Datereceived.year.fctr2015                                                   0.4330541
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                  0.4008774
## gCConsent.fctrOther                                                          0.3759966
## gSPrd.fctrGiftormerchantcard                                                 0.3386735
## gCompany.fctrComerica                                                        0.2994984
## Datereceived.wkday.fctr4                                                     0.2887134
## gSPrd.fctrIDprepaidcard                                                      0.1881712
## Datereceived.month.fctr03                                                    0.1844840
## .clusterid                                                                   0.0000000
## Channel.fctrFax                                                              0.0000000
## Channel.fctrPostalmail                                                       0.0000000
## Datereceived.date.fctr(7,13]                                                 0.0000000
## Datereceived.date.fctr(13,19]                                                0.0000000
## Datereceived.date.fctr(19,25]                                                0.0000000
## Datereceived.date.fctr(25,31]                                                0.0000000
## Datereceived.month.fctr02                                                    0.0000000
## Datereceived.month.fctr04                                                    0.0000000
## Datereceived.month.fctr10                                                    0.0000000
## Datereceived.month.fctr11                                                    0.0000000
## Datereceived.month.fctr12                                                    0.0000000
## Datereceived.wkday.fctr1                                                     0.0000000
## Datereceived.wkday.fctr2                                                     0.0000000
## Datereceived.wkday.fctr3                                                     0.0000000
## Datereceived.wkday.fctr5                                                     0.0000000
## Datereceived.wkday.fctr6                                                     0.0000000
## Datesenttocompany.date.fctr(7,13]                                            0.0000000
## Datesenttocompany.date.fctr(13,19]                                           0.0000000
## Datesenttocompany.date.fctr(19,25]                                           0.0000000
## Datesenttocompany.date.fctr(25,31]                                           0.0000000
## Datesenttocompany.juliandate                                                 0.0000000
## Datesenttocompany.last16.log1p                                               0.0000000
## Datesenttocompany.last2.log1p                                                0.0000000
## Datesenttocompany.last32.log1p                                               0.0000000
## Datesenttocompany.last4.log1p                                                0.0000000
## Datesenttocompany.last8.log1p                                                0.0000000
## Datesenttocompany.month.fctr02                                               0.0000000
## Datesenttocompany.month.fctr03                                               0.0000000
## Datesenttocompany.month.fctr04                                               0.0000000
## Datesenttocompany.month.fctr05                                               0.0000000
## Datesenttocompany.month.fctr06                                               0.0000000
## Datesenttocompany.month.fctr07                                               0.0000000
## Datesenttocompany.month.fctr08                                               0.0000000
## Datesenttocompany.month.fctr09                                               0.0000000
## Datesenttocompany.month.fctr10                                               0.0000000
## Datesenttocompany.month.fctr11                                               0.0000000
## Datesenttocompany.month.fctr12                                               0.0000000
## Datesenttocompany.wkday.fctr1                                                0.0000000
## Datesenttocompany.wkday.fctr2                                                0.0000000
## Datesenttocompany.wkday.fctr3                                                0.0000000
## Datesenttocompany.wkday.fctr4                                                0.0000000
## Datesenttocompany.wkday.fctr5                                                0.0000000
## Datesenttocompany.wkday.fctr6                                                0.0000000
## Datesenttocompany.wkend                                                      0.0000000
## Datesenttocompany.year.fctr2015                                              0.0000000
## Datesenttocompany.year.fctr2016                                              0.0000000
## Response.fctrClosed                                                          0.0000000
## Response.fctrInprogress                                                      0.0000000
## Response.fctrUntimelyresponse                                                0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                              0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                   0.0000000
## Rgn.Dvn.fctrOT#Other                                                         0.0000000
## Rgn.Dvn.fctrSH#EastSouthCentral                                              0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                              0.0000000
## Rgn.Dvn.fctrWT#Mountain                                                      0.0000000
## Sent.Recd.Dys.log1p                                                          0.0000000
## Sent.Recd.Dys.root2                                                          0.0000000
## gCConsent.fctrConsentnotprovided                                             0.0000000
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                    0.0000000
## gCompany.fctrPayPalHoldings,Inc.                                             0.0000000
## gCompany.fctrU.S.Bancorp                                                     0.0000000
## gSPrd.fctrVehicleloan                                                        0.0000000
## gSPrd.fctrCheckingaccount                                                    0.0000000
## gSPrd.fctrConventionalfixedmortgage                                          0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                   0.0000000
## gSPrd.fctrIdonotknow                                                         0.0000000
## gSPrd.fctr                                                                   0.0000000
## gSPrd.fctrOthermortgage                                                      0.0000000
## gSPrd.fctrCreditcard                                                         0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                0.0000000
## gSPrd.fctrOtherbankproduct/service                                           0.0000000
## gSPrd.fctrNon-federalstudentloan                                             0.0000000
## gSPrd.fctrFHAmortgage                                                        0.0000000
## gSPrd.fctr(CD)Certificateofdeposit                                           0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit                                       0.0000000
## gSPrd.fctrVehiclelease                                                       0.0000000
## gSPrd.fctrSavingsaccount                                                     0.0000000
## gSPrd.fctrFederalstudentloan                                                 0.0000000
## gSPrd.fctrMortgage                                                           0.0000000
## gSPrd.fctrReversemortgage                                                    0.0000000
## gSPrd.fctrAuto                                                               0.0000000
## gSPrd.fctrInstallmentloan                                                    0.0000000
## gSPrd.fctrMedical                                                            0.0000000
## gSPrd.fctrVAmortgage                                                         0.0000000
## gSPrd.fctrDomestic(US)moneytransfer                                          0.0000000
## gSPrd.fctrInternationalmoneytransfer                                         0.0000000
## gSPrd.fctrPersonallineofcredit                                               0.0000000
## gSPrd.fctrSecondmortgage                                                     0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount                                      0.0000000
## gSPrd.fctrPaydayloan                                                         0.0000000
## gSPrd.fctrCheckcashing                                                       0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                       0.0000000
## gSPrd.fctrTitleloan                                                          0.0000000
## gSPrd.fctrForeigncurrencyexchange                                            0.0000000
## gSPrd.fctrRefundanticipationcheck                                            0.0000000
## gSPrd.fctrDebtsettlement                                                     0.0000000
## gSPrd.fctrCreditrepair                                                       0.0000000
## gSPrd.fctrPawnloan                                                           0.0000000
## gSPrd.fctrMoneyorder                                                         0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                   0.0000000
## gSPrd.fctrFederalstudentloanservicing                                        0.0000000
## gTags.fctrOlderAmerican                                                      0.0000000
## gTags.fctrOlderAmericanServicemember                                         0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                        0.0000000
## gSPrd.fctr:.clusterid.fctr2                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr3                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                        0.0000000
## gSPrd.fctr:.clusterid.fctr3                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr4                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                        0.0000000
## gSPrd.fctr:.clusterid.fctr4                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                       0.0000000
## [1] "myfit_mdl: train diagnostics complete: 88.738000 secs"

##          Prediction
## Reference   N   Y
##         N 655 336
##         Y  62 290
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.036485e-01   3.875520e-01   6.784269e-01   7.279758e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   9.978259e-01   1.260955e-42

##          Prediction
## Reference    N    Y
##         N 1033  408
##         Y   34   51
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.103539e-01   1.032051e-01   6.868782e-01   7.330172e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   1.994400e-70 
## [1] "myfit_mdl: predict complete: 95.190000 secs"
##               id
## 1 All.X##rcv#gbm
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1              25                      87.69                 1.094
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.6326842    0.9727548    0.2926136         0.82663
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                   0.25        0.593047        0.7533073
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.6784269             0.7279758     0.1766307
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.4464273       0.5656652    0.9430951    0.1882353
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1        0.707703                    0.3          0.1875        0.7103539
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.6868782             0.7330172     0.1032051
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3343234         0.02129904      0.07142319
## [1] "myfit_mdl: exit: 95.350000 secs"
##                label step_major step_minor label_minor     bgn     end
## 3 fit.models_1_All.X          1          2         gbm  63.577 158.931
## 4 fit.models_1_All.X          1          3          rf 158.931      NA
##   elapsed
## 3  95.354
## 4      NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#rf"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.614000 secs"
## Loading required package: randomForest
## randomForest 4.6-12
## Type rfNews() to see new features/changes/bug fixes.
## 
## Attaching package: 'randomForest'
## The following object is masked from 'package:dplyr':
## 
##     combine
## The following object is masked from 'package:ggplot2':
## 
##     margin

## Fitting mtry = 93 on full training set
## [1] "myfit_mdl: train complete: 14.700000 secs"
##   mtry
## 1   93

##                 Length Class      Mode     
## call               4   -none-     call     
## type               1   -none-     character
## predicted       1343   factor     numeric  
## err.rate        1500   -none-     numeric  
## confusion          6   -none-     numeric  
## votes           2686   matrix     numeric  
## oob.times       1343   -none-     numeric  
## classes            2   -none-     character
## importance       280   -none-     numeric  
## importanceSD       0   -none-     NULL     
## localImportance    0   -none-     NULL     
## proximity          0   -none-     NULL     
## ntree              1   -none-     numeric  
## mtry               1   -none-     numeric  
## forest            14   -none-     list     
## y               1343   factor     numeric  
## test               0   -none-     NULL     
## inbag              0   -none-     NULL     
## xNames           280   -none-     character
## problemType        1   -none-     character
## tuneValue          1   data.frame list     
## obsLevels          2   -none-     character
## [1] "myfit_mdl: train diagnostics complete: 14.743000 secs"

##          Prediction
## Reference   N   Y
##         N 991   0
##         Y   1 351
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   9.992554e-01   9.980732e-01   9.958584e-01   9.999811e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##  2.513550e-175   1.000000e+00

##          Prediction
## Reference   N   Y
##         N 781 660
##         Y  20  65
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   5.543906e-01   6.751377e-02   5.290407e-01   5.795308e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00  1.321669e-132 
## [1] "myfit_mdl: predict complete: 21.292000 secs"
##              id
## 1 All.X##rcv#rf
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               0                     14.064                13.543
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.9971591            1    0.9943182       0.9999455
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                   0.45       0.9985775        0.9992554
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.9958584             0.9999811     0.9980732
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.1404484       0.5715312    0.9312977    0.2117647
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.7074458                   0.25       0.1604938        0.5543906
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.5290407             0.5795308    0.06751377
##   min.log.loss.mean.OOB
## 1             0.3484781
## [1] "myfit_mdl: exit: 21.709000 secs"
##                label step_major step_minor label_minor     bgn     end
## 4 fit.models_1_All.X          1          3          rf 158.931 180.644
## 5 fit.models_1_All.X          1          4      glmnet 180.645      NA
##   elapsed
## 4  21.714
## 5      NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#glmnet"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.606000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting alpha = 0.1, lambda = 0.041 on full training set
## [1] "myfit_mdl: train complete: 12.203000 secs"
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: alpha
## Warning in myfit_mdl(mdl_specs_lst = myinit_mdl_specs_lst(mdl_specs_lst
## = list(id.prefix = mdl_id_pfx, : model's bestTune found at an extreme of
## tuneGrid for parameter: lambda

##             Length Class      Mode     
## a0             85  -none-     numeric  
## beta        23800  dgCMatrix  S4       
## df             85  -none-     numeric  
## dim             2  -none-     numeric  
## lambda         85  -none-     numeric  
## dev.ratio      85  -none-     numeric  
## nulldev         1  -none-     numeric  
## npasses         1  -none-     numeric  
## jerr            1  -none-     numeric  
## offset          1  -none-     logical  
## classnames      2  -none-     character
## call            5  -none-     call     
## nobs            1  -none-     numeric  
## lambdaOpt       1  -none-     numeric  
## xNames        280  -none-     character
## problemType     1  -none-     character
## tuneValue       2  data.frame list     
## obsLevels       2  -none-     character
## [1] "min lambda > lambdaOpt:"
##                                   (Intercept) 
##                                 -1.2729062063 
##                               Channel.fctrFax 
##                                 -1.1238314409 
##                             Channel.fctrPhone 
##                                 -0.4335044168 
##                        Channel.fctrPostalmail 
##                                 -0.1247046064 
##                          Channel.fctrReferral 
##                                 -0.3575373840 
##                  Datereceived.date.fctr(7,13] 
##                                  0.0138660622 
##                 Datereceived.date.fctr(25,31] 
##                                 -0.0045701947 
##                     Datereceived.last16.log1p 
##                                  0.0036777894 
##                      Datereceived.last2.log1p 
##                                  0.0171854913 
##                      Datereceived.last4.log1p 
##                                  0.0033940482 
##                      Datereceived.last8.log1p 
##                                  0.0144667413 
##                     Datereceived.month.fctr03 
##                                 -0.1357805542 
##                     Datereceived.month.fctr04 
##                                  0.0006634627 
##                     Datereceived.month.fctr05 
##                                  0.1031651953 
##                     Datereceived.month.fctr06 
##                                 -0.2922264674 
##                     Datereceived.month.fctr07 
##                                  0.1774799527 
##                     Datereceived.month.fctr08 
##                                  0.0580940505 
##                     Datereceived.month.fctr09 
##                                  0.0990087546 
##                     Datereceived.month.fctr10 
##                                 -0.0253843701 
##                     Datereceived.month.fctr11 
##                                 -0.1188726475 
##                     Datereceived.month.fctr12 
##                                  0.0462070288 
##                      Datereceived.wkday.fctr1 
##                                  0.0377237257 
##                      Datereceived.wkday.fctr4 
##                                  0.0360744926 
##                      Datereceived.wkday.fctr5 
##                                  0.0359436803 
##                            Datereceived.wkend 
##                                 -0.2017407877 
##                    Datereceived.year.fctr2016 
##                                  0.1143279899 
##             Datesenttocompany.date.fctr(7,13] 
##                                  0.0132907892 
##            Datesenttocompany.date.fctr(25,31] 
##                                 -0.0042237830 
##                Datesenttocompany.last16.log1p 
##                                  0.0035955211 
##                 Datesenttocompany.last2.log1p 
##                                  0.0170404449 
##                 Datesenttocompany.last4.log1p 
##                                  0.0035021020 
##                 Datesenttocompany.last8.log1p 
##                                  0.0146003297 
##                Datesenttocompany.month.fctr03 
##                                 -0.1354836731 
##                Datesenttocompany.month.fctr04 
##                                  0.0018923343 
##                Datesenttocompany.month.fctr05 
##                                  0.1022850576 
##                Datesenttocompany.month.fctr06 
##                                 -0.2915487317 
##                Datesenttocompany.month.fctr07 
##                                  0.1764275126 
##                Datesenttocompany.month.fctr08 
##                                  0.0576070565 
##                Datesenttocompany.month.fctr09 
##                                  0.0985403070 
##                Datesenttocompany.month.fctr10 
##                                 -0.0272126846 
##                Datesenttocompany.month.fctr11 
##                                 -0.1191788599 
##                Datesenttocompany.month.fctr12 
##                                  0.0457996119 
##                 Datesenttocompany.wkday.fctr1 
##                                  0.0374334015 
##                 Datesenttocompany.wkday.fctr4 
##                                  0.0359818988 
##                 Datesenttocompany.wkday.fctr5 
##                                  0.0356056851 
##                       Datesenttocompany.wkend 
##                                 -0.2009570617 
##               Datesenttocompany.year.fctr2016 
##                                  0.1145117381 
##         Response.fctrClosedwithmonetaryrelief 
##                                 -0.7375448228 
##     Response.fctrClosedwithnon-monetaryrelief 
##                                 -0.6842644884 
##               Rgn.Dvn.fctrMW#EastNorthCentral 
##                                 -0.1977148745 
##               Rgn.Dvn.fctrMW#WestNorthCentral 
##                                 -0.1953184453 
##                          Rgn.Dvn.fctrOT#Other 
##                                 -0.0509117407 
##               Rgn.Dvn.fctrSH#EastSouthCentral 
##                                 -0.2394266896 
##                       Rgn.Dvn.fctrWT#Mountain 
##                                  0.0981358671 
##                        Rgn.Dvn.fctrWT#Pacific 
##                                  0.1639856008 
##                                 Sent.Recd.Dys 
##                                 -0.0028677895 
##                           Sent.Recd.Dys.log1p 
##                                 -0.0603585014 
##                           Sent.Recd.Dys.root2 
##                                 -0.0292745923 
##                 gCConsent.fctrConsentprovided 
##                                 -0.0026557294 
##                           gCConsent.fctrOther 
##                                  0.2138184923 
##                             gCompany.fctrAmex 
##                                  0.5444797476 
##     gCompany.fctrBlackhawkNetworkHoldingsInc. 
##                                  0.1927516740 
##                         gCompany.fctrCitibank 
##                                  0.1080340590 
##                         gCompany.fctrComerica 
##                                  0.0084522817 
## gCompany.fctrNetSpendCorporation,aTSYSCompany 
##                                 -0.4750447307 
##                      gCompany.fctrU.S.Bancorp 
##                                 -0.0181836119 
##                        gSPrd.fctrMobilewallet 
##                                  0.1471192277 
##                  gSPrd.fctrGiftormerchantcard 
##                                  0.1506824502 
##                         gSPrd.fctrPayrollcard 
##                                 -0.2901551483 
##                       gTags.fctrOlderAmerican 
##                                  0.2369040882 
##                       gTags.fctrServicemember 
##                                  0.4774581743 
##              gSPrd.fctrOther:.clusterid.fctr2 
##                                  0.4582992442 
##        gSPrd.fctrPayrollcard:.clusterid.fctr2 
##                                  0.0558443659 
##      gSPrd.fctrIDprepaidcard:.clusterid.fctr2 
##                                 -0.1493068868 
##       gSPrd.fctrMobilewallet:.clusterid.fctr3 
##                                  0.5714798500 
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 
##                                  0.1914459348 
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 
##                                 -0.1696304617 
##              gSPrd.fctrOther:.clusterid.fctr4 
##                                 -0.4107693220 
## [1] "max lambda < lambdaOpt:"
##                                   (Intercept) 
##                                  -1.277167822 
##                               Channel.fctrFax 
##                                  -1.211482288 
##                             Channel.fctrPhone 
##                                  -0.458335625 
##                        Channel.fctrPostalmail 
##                                  -0.150246975 
##                          Channel.fctrReferral 
##                                  -0.383061355 
##                  Datereceived.date.fctr(7,13] 
##                                   0.015892337 
##                 Datereceived.date.fctr(25,31] 
##                                  -0.007232727 
##                     Datereceived.last16.log1p 
##                                   0.003610626 
##                      Datereceived.last2.log1p 
##                                   0.017675123 
##                      Datereceived.last4.log1p 
##                                   0.003154256 
##                      Datereceived.last8.log1p 
##                                   0.014616085 
##                     Datereceived.month.fctr03 
##                                  -0.140319862 
##                     Datereceived.month.fctr04 
##                                   0.006950920 
##                     Datereceived.month.fctr05 
##                                   0.109059593 
##                     Datereceived.month.fctr06 
##                                  -0.299115916 
##                     Datereceived.month.fctr07 
##                                   0.184623517 
##                     Datereceived.month.fctr08 
##                                   0.064930080 
##                     Datereceived.month.fctr09 
##                                   0.104713100 
##                     Datereceived.month.fctr10 
##                                  -0.017763830 
##                     Datereceived.month.fctr11 
##                                  -0.119457778 
##                     Datereceived.month.fctr12 
##                                   0.052739722 
##                      Datereceived.wkday.fctr1 
##                                   0.041842575 
##                      Datereceived.wkday.fctr3 
##                                  -0.001606317 
##                      Datereceived.wkday.fctr4 
##                                   0.039426295 
##                      Datereceived.wkday.fctr5 
##                                   0.041364845 
##                            Datereceived.wkend 
##                                  -0.208821931 
##                    Datereceived.year.fctr2016 
##                                   0.118061271 
##             Datesenttocompany.date.fctr(7,13] 
##                                   0.015209413 
##            Datesenttocompany.date.fctr(25,31] 
##                                  -0.006848901 
##                Datesenttocompany.last16.log1p 
##                                   0.003515903 
##                 Datesenttocompany.last2.log1p 
##                                   0.017503638 
##                 Datesenttocompany.last4.log1p 
##                                   0.003299505 
##                 Datesenttocompany.last8.log1p 
##                                   0.014790709 
##                Datesenttocompany.month.fctr03 
##                                  -0.140090093 
##                Datesenttocompany.month.fctr04 
##                                   0.008187714 
##                Datesenttocompany.month.fctr05 
##                                   0.107624908 
##                Datesenttocompany.month.fctr06 
##                                  -0.298143008 
##                Datesenttocompany.month.fctr07 
##                                   0.182998498 
##                Datesenttocompany.month.fctr08 
##                                   0.064117529 
##                Datesenttocompany.month.fctr09 
##                                   0.103978791 
##                Datesenttocompany.month.fctr10 
##                                  -0.020101946 
##                Datesenttocompany.month.fctr11 
##                                  -0.119894030 
##                Datesenttocompany.month.fctr12 
##                                   0.052106059 
##                 Datesenttocompany.wkday.fctr1 
##                                   0.041706695 
##                 Datesenttocompany.wkday.fctr3 
##                                  -0.001200813 
##                 Datesenttocompany.wkday.fctr4 
##                                   0.039274315 
##                 Datesenttocompany.wkday.fctr5 
##                                   0.040855932 
##                       Datesenttocompany.wkend 
##                                  -0.207991754 
##               Datesenttocompany.year.fctr2016 
##                                   0.118202632 
##         Response.fctrClosedwithmonetaryrelief 
##                                  -0.762210687 
##     Response.fctrClosedwithnon-monetaryrelief 
##                                  -0.711533861 
##               Rgn.Dvn.fctrMW#EastNorthCentral 
##                                  -0.206063626 
##               Rgn.Dvn.fctrMW#WestNorthCentral 
##                                  -0.207927131 
##                          Rgn.Dvn.fctrOT#Other 
##                                  -0.061836131 
##               Rgn.Dvn.fctrSH#EastSouthCentral 
##                                  -0.253729525 
##                       Rgn.Dvn.fctrWT#Mountain 
##                                   0.104464472 
##                        Rgn.Dvn.fctrWT#Pacific 
##                                   0.166513179 
##                                 Sent.Recd.Dys 
##                                  -0.002977438 
##                           Sent.Recd.Dys.log1p 
##                                  -0.059406992 
##                            Sent.Recd.Dys.nexp 
##                                   0.003129449 
##                           Sent.Recd.Dys.root2 
##                                  -0.028906492 
##                 gCConsent.fctrConsentprovided 
##                                  -0.012951363 
##                           gCConsent.fctrOther 
##                                   0.217857745 
##                             gCompany.fctrAmex 
##                                   0.555728794 
##     gCompany.fctrBlackhawkNetworkHoldingsInc. 
##                                   0.202929073 
##                         gCompany.fctrCitibank 
##                                   0.111047844 
##                         gCompany.fctrComerica 
##                                   0.019101704 
## gCompany.fctrNetSpendCorporation,aTSYSCompany 
##                                  -0.492599205 
##                      gCompany.fctrU.S.Bancorp 
##                                  -0.026011951 
##                        gSPrd.fctrMobilewallet 
##                                   0.156206823 
##                  gSPrd.fctrGiftormerchantcard 
##                                   0.158610652 
##                         gSPrd.fctrPayrollcard 
##                                  -0.303985451 
##                       gTags.fctrOlderAmerican 
##                                   0.249158984 
##                       gTags.fctrServicemember 
##                                   0.496214533 
##              gSPrd.fctrOther:.clusterid.fctr2 
##                                   0.483439729 
##        gSPrd.fctrPayrollcard:.clusterid.fctr2 
##                                   0.098360332 
##      gSPrd.fctrIDprepaidcard:.clusterid.fctr2 
##                                  -0.173766997 
##       gSPrd.fctrMobilewallet:.clusterid.fctr3 
##                                   0.593974113 
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3 
##                                   0.216370005 
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3 
##                                  -0.171743322 
##              gSPrd.fctrOther:.clusterid.fctr4 
##                                  -0.460046003 
## [1] "myfit_mdl: train diagnostics complete: 12.614000 secs"

##          Prediction
## Reference   N   Y
##         N 713 278
##         Y 113 239
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.088608e-01   3.461416e-01   6.837536e-01   7.330505e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   9.924042e-01   1.096532e-16

##          Prediction
## Reference   N   Y
##         N 856 585
##         Y  21  64
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.028834e-01   8.417694e-02   5.778272e-01   6.275427e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00  9.177542e-116 
## [1] "myfit_mdl: predict complete: 19.050000 secs"
##                  id
## 1 All.X##rcv#glmnet
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1              25                     11.569                 0.235
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.5883319    0.9778002    0.1988636       0.7756671
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.3       0.5500575        0.7552798
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.6837536             0.7330505     0.1799334
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.4803487       0.5895416     0.943789    0.2352941
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.7250398                   0.25       0.1743869        0.6028834
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.5778272             0.6275427    0.08417694
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3330839         0.01522024       0.0561755
## [1] "myfit_mdl: exit: 19.151000 secs"
##                label step_major step_minor label_minor     bgn     end
## 5 fit.models_1_All.X          1          4      glmnet 180.645 199.801
## 6 fit.models_1_All.X          1          5         glm 199.802      NA
##   elapsed
## 5  19.157
## 6      NA
## [1] "myfit_mdl: enter: 0.001000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#glm"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.603000 secs"
## Aggregating results
## Fitting final model on full training set
## Warning: glm.fit: algorithm did not converge

## [1] "myfit_mdl: train complete: 29.604000 secs"
##   parameter
## 1      none

## 
## Call:
## NULL
## 
## Deviance Residuals: 
##     Min       1Q   Median       3Q      Max  
## -1.9614  -0.7837  -0.4362   0.6413   2.8470  
## 
## Coefficients: (197 not defined because of singularities)
##                                                                                       Estimate
## (Intercept)                                                                          2.250e+13
## .clusterid                                                                          -2.250e+13
## Channel.fctrFax                                                                     -8.944e+00
## Channel.fctrPhone                                                                   -1.380e+00
## Channel.fctrPostalmail                                                              -1.029e+00
## Channel.fctrReferral                                                                -1.311e+00
## `Datereceived.date.fctr(7,13]`                                                       1.189e-01
## `Datereceived.date.fctr(13,19]`                                                     -1.257e-02
## `Datereceived.date.fctr(19,25]`                                                     -5.127e-03
## `Datereceived.date.fctr(25,31]`                                                     -1.545e-01
## Datereceived.juliandate                                                              6.088e-03
## Datereceived.last16.log1p                                                            3.098e-02
## Datereceived.last2.log1p                                                             5.359e-02
## Datereceived.last32.log1p                                                           -5.722e-03
## Datereceived.last4.log1p                                                            -1.738e-04
## Datereceived.last8.log1p                                                             4.807e-02
## Datereceived.month.fctr02                                                           -4.005e-01
## Datereceived.month.fctr03                                                           -7.920e-01
## Datereceived.month.fctr04                                                           -1.780e-01
## Datereceived.month.fctr05                                                           -1.155e-01
## Datereceived.month.fctr06                                                           -1.446e+00
## Datereceived.month.fctr07                                                           -2.020e-01
## Datereceived.month.fctr08                                                           -6.199e-01
## Datereceived.month.fctr09                                                           -7.892e-01
## Datereceived.month.fctr10                                                           -9.941e-01
## Datereceived.month.fctr11                                                           -1.614e+00
## Datereceived.month.fctr12                                                           -1.348e+00
## Datereceived.wkday.fctr1                                                             1.252e+00
## Datereceived.wkday.fctr2                                                             1.047e+00
## Datereceived.wkday.fctr3                                                             9.916e-01
## Datereceived.wkday.fctr4                                                             1.229e+00
## Datereceived.wkday.fctr5                                                             1.321e+00
## Datereceived.wkday.fctr6                                                             5.785e-01
## Datereceived.wkend                                                                          NA
## Datereceived.year.fctr2015                                                           7.165e-01
## Datereceived.year.fctr2016                                                           1.122e+00
## `Datesenttocompany.date.fctr(7,13]`                                                         NA
## `Datesenttocompany.date.fctr(13,19]`                                                        NA
## `Datesenttocompany.date.fctr(19,25]`                                                        NA
## `Datesenttocompany.date.fctr(25,31]`                                                        NA
## Datesenttocompany.juliandate                                                                NA
## Datesenttocompany.last16.log1p                                                              NA
## Datesenttocompany.last2.log1p                                                               NA
## Datesenttocompany.last32.log1p                                                              NA
## Datesenttocompany.last4.log1p                                                               NA
## Datesenttocompany.last8.log1p                                                               NA
## Datesenttocompany.month.fctr02                                                              NA
## Datesenttocompany.month.fctr03                                                              NA
## Datesenttocompany.month.fctr04                                                              NA
## Datesenttocompany.month.fctr05                                                              NA
## Datesenttocompany.month.fctr06                                                              NA
## Datesenttocompany.month.fctr07                                                              NA
## Datesenttocompany.month.fctr08                                                              NA
## Datesenttocompany.month.fctr09                                                              NA
## Datesenttocompany.month.fctr10                                                              NA
## Datesenttocompany.month.fctr11                                                              NA
## Datesenttocompany.month.fctr12                                                              NA
## Datesenttocompany.wkday.fctr1                                                               NA
## Datesenttocompany.wkday.fctr2                                                               NA
## Datesenttocompany.wkday.fctr3                                                               NA
## Datesenttocompany.wkday.fctr4                                                               NA
## Datesenttocompany.wkday.fctr5                                                               NA
## Datesenttocompany.wkday.fctr6                                                               NA
## Datesenttocompany.wkend                                                                     NA
## Datesenttocompany.year.fctr2015                                                             NA
## Datesenttocompany.year.fctr2016                                                             NA
## Response.fctrClosed                                                                 -2.560e-01
## Response.fctrClosedwithmonetaryrelief                                               -1.190e+00
## `Response.fctrClosedwithnon-monetaryrelief`                                         -1.232e+00
## Response.fctrInprogress                                                                     NA
## Response.fctrUntimelyresponse                                                               NA
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                   -3.660e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                   -4.321e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                       -4.217e-03
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                        -1.685e-01
## `Rgn.Dvn.fctrOT#Other`                                                              -1.576e-01
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                   -5.238e-01
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                    4.543e-02
## `Rgn.Dvn.fctrWT#Mountain`                                                            1.851e-01
## `Rgn.Dvn.fctrWT#Pacific`                                                             1.618e-01
## Sent.Recd.Dys                                                                       -1.098e-01
## Sent.Recd.Dys.log1p                                                                 -2.257e+00
## Sent.Recd.Dys.nexp                                                                  -2.163e-01
## Sent.Recd.Dys.root2                                                                  1.941e+00
## gCConsent.fctrConsentnotprovided                                                    -6.389e-01
## gCConsent.fctrConsentprovided                                                       -7.822e-01
## gCConsent.fctrOther                                                                 -3.857e-01
## gCompany.fctrAmex                                                                    8.862e-01
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                            5.052e-01
## gCompany.fctrCitibank                                                                2.848e-01
## gCompany.fctrComerica                                                                2.846e-01
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     -6.742e-01
## gCompany.fctrOther                                                                   9.438e-02
## `gCompany.fctrPayPalHoldings,Inc.`                                                   2.747e-01
## gCompany.fctrU.S.Bancorp                                                             7.305e-02
## gSPrd.fctrVehicleloan                                                                       NA
## gSPrd.fctrCheckingaccount                                                                   NA
## gSPrd.fctrConventionalfixedmortgage                                                         NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                                NA
## gSPrd.fctrIdonotknow                                                                        NA
## gSPrd.fctr                                                                                  NA
## gSPrd.fctrOthermortgage                                                                     NA
## gSPrd.fctrCreditcard                                                                        NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                             NA
## `gSPrd.fctrOtherbankproduct/service`                                                        NA
## `gSPrd.fctrNon-federalstudentloan`                                                          NA
## gSPrd.fctrFHAmortgage                                                                       NA
## `gSPrd.fctr(CD)Certificateofdeposit`                                                        NA
## gSPrd.fctrHomeequityloanorlineofcredit                                                      NA
## gSPrd.fctrVehiclelease                                                                      NA
## gSPrd.fctrSavingsaccount                                                                    NA
## gSPrd.fctrFederalstudentloan                                                                NA
## gSPrd.fctrMortgage                                                                          NA
## gSPrd.fctrReversemortgage                                                                   NA
## gSPrd.fctrAuto                                                                              NA
## gSPrd.fctrInstallmentloan                                                                   NA
## gSPrd.fctrMedical                                                                           NA
## gSPrd.fctrVAmortgage                                                                        NA
## `gSPrd.fctrDomestic(US)moneytransfer`                                                       NA
## gSPrd.fctrInternationalmoneytransfer                                                        NA
## gSPrd.fctrPersonallineofcredit                                                              NA
## gSPrd.fctrSecondmortgage                                                                    NA
## gSPrd.fctrCashingacheckwithoutanaccount                                                     NA
## gSPrd.fctrPaydayloan                                                                        NA
## gSPrd.fctrCheckcashing                                                                      NA
## gSPrd.fctrMobilewallet                                                               2.478e-01
## gSPrd.fctrGovernmentbenefitpaymentcard                                               7.608e-02
## gSPrd.fctrGiftormerchantcard                                                         2.487e-01
## gSPrd.fctrGeneralpurposecard                                                        -1.063e-02
## gSPrd.fctrTitleloan                                                                         NA
## gSPrd.fctrForeigncurrencyexchange                                                           NA
## gSPrd.fctrRefundanticipationcheck                                                           NA
## gSPrd.fctrDebtsettlement                                                                    NA
## gSPrd.fctrPayrollcard                                                               -6.043e-01
## gSPrd.fctrIDprepaidcard                                                             -1.756e-01
## gSPrd.fctrCreditrepair                                                                      NA
## gSPrd.fctrPawnloan                                                                          NA
## gSPrd.fctrMoneyorder                                                                        NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                          NA
## gSPrd.fctrFederalstudentloanservicing                                                       NA
## gTags.fctrOlderAmerican                                                              3.930e-01
## gTags.fctrOlderAmericanServicemember                                                -5.407e-02
## gTags.fctrServicemember                                                              8.180e-01
## `gSPrd.fctrOther:.clusterid.fctr2`                                                   2.250e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                     NA
## `gSPrd.fctr:.clusterid.fctr2`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                            2.250e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                            2.250e+13
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                      2.250e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                      2.250e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                             2.250e+13
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                           2.250e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                                    NA
## `gSPrd.fctrOther:.clusterid.fctr3`                                                   4.499e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                     NA
## `gSPrd.fctr:.clusterid.fctr3`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                            4.499e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                                   NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                      4.499e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                      4.499e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                           4.499e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                                    NA
## `gSPrd.fctrOther:.clusterid.fctr4`                                                   6.749e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                     NA
## `gSPrd.fctr:.clusterid.fctr4`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                                   NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                             NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                             NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                                    NA
##                                                                                     Std. Error
## (Intercept)                                                                          2.068e+13
## .clusterid                                                                           2.068e+13
## Channel.fctrFax                                                                      2.460e+01
## Channel.fctrPhone                                                                    3.358e-01
## Channel.fctrPostalmail                                                               4.801e-01
## Channel.fctrReferral                                                                 3.247e-01
## `Datereceived.date.fctr(7,13]`                                                       3.533e-01
## `Datereceived.date.fctr(13,19]`                                                      5.745e-01
## `Datereceived.date.fctr(19,25]`                                                      8.067e-01
## `Datereceived.date.fctr(25,31]`                                                      1.051e+00
## Datereceived.juliandate                                                              4.177e-02
## Datereceived.last16.log1p                                                            6.351e-02
## Datereceived.last2.log1p                                                             1.669e-02
## Datereceived.last32.log1p                                                            5.563e-02
## Datereceived.last4.log1p                                                             2.254e-02
## Datereceived.last8.log1p                                                             4.784e-02
## Datereceived.month.fctr02                                                            1.374e+00
## Datereceived.month.fctr03                                                            2.518e+00
## Datereceived.month.fctr04                                                            3.776e+00
## Datereceived.month.fctr05                                                            5.040e+00
## Datereceived.month.fctr06                                                            6.337e+00
## Datereceived.month.fctr07                                                            7.578e+00
## Datereceived.month.fctr08                                                            8.884e+00
## Datereceived.month.fctr09                                                            1.015e+01
## Datereceived.month.fctr10                                                            1.141e+01
## Datereceived.month.fctr11                                                            1.272e+01
## Datereceived.month.fctr12                                                            1.396e+01
## Datereceived.wkday.fctr1                                                             3.939e-01
## Datereceived.wkday.fctr2                                                             3.889e-01
## Datereceived.wkday.fctr3                                                             3.872e-01
## Datereceived.wkday.fctr4                                                             3.916e-01
## Datereceived.wkday.fctr5                                                             3.995e-01
## Datereceived.wkday.fctr6                                                             4.237e-01
## Datereceived.wkend                                                                          NA
## Datereceived.year.fctr2015                                                           3.083e-01
## Datereceived.year.fctr2016                                                           3.747e-01
## `Datesenttocompany.date.fctr(7,13]`                                                         NA
## `Datesenttocompany.date.fctr(13,19]`                                                        NA
## `Datesenttocompany.date.fctr(19,25]`                                                        NA
## `Datesenttocompany.date.fctr(25,31]`                                                        NA
## Datesenttocompany.juliandate                                                                NA
## Datesenttocompany.last16.log1p                                                              NA
## Datesenttocompany.last2.log1p                                                               NA
## Datesenttocompany.last32.log1p                                                              NA
## Datesenttocompany.last4.log1p                                                               NA
## Datesenttocompany.last8.log1p                                                               NA
## Datesenttocompany.month.fctr02                                                              NA
## Datesenttocompany.month.fctr03                                                              NA
## Datesenttocompany.month.fctr04                                                              NA
## Datesenttocompany.month.fctr05                                                              NA
## Datesenttocompany.month.fctr06                                                              NA
## Datesenttocompany.month.fctr07                                                              NA
## Datesenttocompany.month.fctr08                                                              NA
## Datesenttocompany.month.fctr09                                                              NA
## Datesenttocompany.month.fctr10                                                              NA
## Datesenttocompany.month.fctr11                                                              NA
## Datesenttocompany.month.fctr12                                                              NA
## Datesenttocompany.wkday.fctr1                                                               NA
## Datesenttocompany.wkday.fctr2                                                               NA
## Datesenttocompany.wkday.fctr3                                                               NA
## Datesenttocompany.wkday.fctr4                                                               NA
## Datesenttocompany.wkday.fctr5                                                               NA
## Datesenttocompany.wkday.fctr6                                                               NA
## Datesenttocompany.wkend                                                                     NA
## Datesenttocompany.year.fctr2015                                                             NA
## Datesenttocompany.year.fctr2016                                                             NA
## Response.fctrClosed                                                                  7.582e-01
## Response.fctrClosedwithmonetaryrelief                                                1.920e-01
## `Response.fctrClosedwithnon-monetaryrelief`                                          3.008e-01
## Response.fctrInprogress                                                                     NA
## Response.fctrUntimelyresponse                                                               NA
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                    2.618e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                    4.345e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                        2.437e-01
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                         3.510e-01
## `Rgn.Dvn.fctrOT#Other`                                                               6.177e-01
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                    4.449e-01
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                    2.728e-01
## `Rgn.Dvn.fctrWT#Mountain`                                                            3.022e-01
## `Rgn.Dvn.fctrWT#Pacific`                                                             2.218e-01
## Sent.Recd.Dys                                                                        2.127e-01
## Sent.Recd.Dys.log1p                                                                  4.367e+00
## Sent.Recd.Dys.nexp                                                                   7.891e-01
## Sent.Recd.Dys.root2                                                                  3.859e+00
## gCConsent.fctrConsentnotprovided                                                     3.148e-01
## gCConsent.fctrConsentprovided                                                        2.913e-01
## gCConsent.fctrOther                                                                  4.754e-01
## gCompany.fctrAmex                                                                    3.503e-01
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                            4.198e-01
## gCompany.fctrCitibank                                                                4.372e-01
## gCompany.fctrComerica                                                                5.438e-01
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                      3.988e-01
## gCompany.fctrOther                                                                   3.724e-01
## `gCompany.fctrPayPalHoldings,Inc.`                                                   4.290e-01
## gCompany.fctrU.S.Bancorp                                                             4.171e-01
## gSPrd.fctrVehicleloan                                                                       NA
## gSPrd.fctrCheckingaccount                                                                   NA
## gSPrd.fctrConventionalfixedmortgage                                                         NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                                NA
## gSPrd.fctrIdonotknow                                                                        NA
## gSPrd.fctr                                                                                  NA
## gSPrd.fctrOthermortgage                                                                     NA
## gSPrd.fctrCreditcard                                                                        NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                             NA
## `gSPrd.fctrOtherbankproduct/service`                                                        NA
## `gSPrd.fctrNon-federalstudentloan`                                                          NA
## gSPrd.fctrFHAmortgage                                                                       NA
## `gSPrd.fctr(CD)Certificateofdeposit`                                                        NA
## gSPrd.fctrHomeequityloanorlineofcredit                                                      NA
## gSPrd.fctrVehiclelease                                                                      NA
## gSPrd.fctrSavingsaccount                                                                    NA
## gSPrd.fctrFederalstudentloan                                                                NA
## gSPrd.fctrMortgage                                                                          NA
## gSPrd.fctrReversemortgage                                                                   NA
## gSPrd.fctrAuto                                                                              NA
## gSPrd.fctrInstallmentloan                                                                   NA
## gSPrd.fctrMedical                                                                           NA
## gSPrd.fctrVAmortgage                                                                        NA
## `gSPrd.fctrDomestic(US)moneytransfer`                                                       NA
## gSPrd.fctrInternationalmoneytransfer                                                        NA
## gSPrd.fctrPersonallineofcredit                                                              NA
## gSPrd.fctrSecondmortgage                                                                    NA
## gSPrd.fctrCashingacheckwithoutanaccount                                                     NA
## gSPrd.fctrPaydayloan                                                                        NA
## gSPrd.fctrCheckcashing                                                                      NA
## gSPrd.fctrMobilewallet                                                               5.261e-01
## gSPrd.fctrGovernmentbenefitpaymentcard                                               6.091e-01
## gSPrd.fctrGiftormerchantcard                                                         4.995e-01
## gSPrd.fctrGeneralpurposecard                                                         4.577e-01
## gSPrd.fctrTitleloan                                                                         NA
## gSPrd.fctrForeigncurrencyexchange                                                           NA
## gSPrd.fctrRefundanticipationcheck                                                           NA
## gSPrd.fctrDebtsettlement                                                                    NA
## gSPrd.fctrPayrollcard                                                                5.465e-01
## gSPrd.fctrIDprepaidcard                                                              5.927e-01
## gSPrd.fctrCreditrepair                                                                      NA
## gSPrd.fctrPawnloan                                                                          NA
## gSPrd.fctrMoneyorder                                                                        NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                          NA
## gSPrd.fctrFederalstudentloanservicing                                                       NA
## gTags.fctrOlderAmerican                                                              3.228e-01
## gTags.fctrOlderAmericanServicemember                                                 5.894e-01
## gTags.fctrServicemember                                                              2.689e-01
## `gSPrd.fctrOther:.clusterid.fctr2`                                                   2.068e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                     NA
## `gSPrd.fctr:.clusterid.fctr2`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                            2.068e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                            2.068e+13
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                      2.068e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                      2.068e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                             2.068e+13
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                           2.068e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                                    NA
## `gSPrd.fctrOther:.clusterid.fctr3`                                                   4.135e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                     NA
## `gSPrd.fctr:.clusterid.fctr3`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                            4.135e+13
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                                   NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                      4.135e+13
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                      4.135e+13
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                           4.135e+13
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                                    NA
## `gSPrd.fctrOther:.clusterid.fctr4`                                                   6.203e+13
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                                NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                               NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                     NA
## `gSPrd.fctr:.clusterid.fctr4`                                                               NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                            NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                       NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                         NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                       NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                                   NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                             NA
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                       NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                                NA
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                           NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                                NA
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                        NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                      NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                     NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                           NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                                  NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                                   NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                             NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                             NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                      NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                        NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                        NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                       NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`         NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                                    NA
##                                                                                     z value
## (Intercept)                                                                           1.088
## .clusterid                                                                           -1.088
## Channel.fctrFax                                                                      -0.364
## Channel.fctrPhone                                                                    -4.108
## Channel.fctrPostalmail                                                               -2.143
## Channel.fctrReferral                                                                 -4.039
## `Datereceived.date.fctr(7,13]`                                                        0.337
## `Datereceived.date.fctr(13,19]`                                                      -0.022
## `Datereceived.date.fctr(19,25]`                                                      -0.006
## `Datereceived.date.fctr(25,31]`                                                      -0.147
## Datereceived.juliandate                                                               0.146
## Datereceived.last16.log1p                                                             0.488
## Datereceived.last2.log1p                                                              3.210
## Datereceived.last32.log1p                                                            -0.103
## Datereceived.last4.log1p                                                             -0.008
## Datereceived.last8.log1p                                                              1.005
## Datereceived.month.fctr02                                                            -0.291
## Datereceived.month.fctr03                                                            -0.315
## Datereceived.month.fctr04                                                            -0.047
## Datereceived.month.fctr05                                                            -0.023
## Datereceived.month.fctr06                                                            -0.228
## Datereceived.month.fctr07                                                            -0.027
## Datereceived.month.fctr08                                                            -0.070
## Datereceived.month.fctr09                                                            -0.078
## Datereceived.month.fctr10                                                            -0.087
## Datereceived.month.fctr11                                                            -0.127
## Datereceived.month.fctr12                                                            -0.097
## Datereceived.wkday.fctr1                                                              3.178
## Datereceived.wkday.fctr2                                                              2.691
## Datereceived.wkday.fctr3                                                              2.561
## Datereceived.wkday.fctr4                                                              3.137
## Datereceived.wkday.fctr5                                                              3.305
## Datereceived.wkday.fctr6                                                              1.365
## Datereceived.wkend                                                                       NA
## Datereceived.year.fctr2015                                                            2.324
## Datereceived.year.fctr2016                                                            2.996
## `Datesenttocompany.date.fctr(7,13]`                                                      NA
## `Datesenttocompany.date.fctr(13,19]`                                                     NA
## `Datesenttocompany.date.fctr(19,25]`                                                     NA
## `Datesenttocompany.date.fctr(25,31]`                                                     NA
## Datesenttocompany.juliandate                                                             NA
## Datesenttocompany.last16.log1p                                                           NA
## Datesenttocompany.last2.log1p                                                            NA
## Datesenttocompany.last32.log1p                                                           NA
## Datesenttocompany.last4.log1p                                                            NA
## Datesenttocompany.last8.log1p                                                            NA
## Datesenttocompany.month.fctr02                                                           NA
## Datesenttocompany.month.fctr03                                                           NA
## Datesenttocompany.month.fctr04                                                           NA
## Datesenttocompany.month.fctr05                                                           NA
## Datesenttocompany.month.fctr06                                                           NA
## Datesenttocompany.month.fctr07                                                           NA
## Datesenttocompany.month.fctr08                                                           NA
## Datesenttocompany.month.fctr09                                                           NA
## Datesenttocompany.month.fctr10                                                           NA
## Datesenttocompany.month.fctr11                                                           NA
## Datesenttocompany.month.fctr12                                                           NA
## Datesenttocompany.wkday.fctr1                                                            NA
## Datesenttocompany.wkday.fctr2                                                            NA
## Datesenttocompany.wkday.fctr3                                                            NA
## Datesenttocompany.wkday.fctr4                                                            NA
## Datesenttocompany.wkday.fctr5                                                            NA
## Datesenttocompany.wkday.fctr6                                                            NA
## Datesenttocompany.wkend                                                                  NA
## Datesenttocompany.year.fctr2015                                                          NA
## Datesenttocompany.year.fctr2016                                                          NA
## Response.fctrClosed                                                                  -0.338
## Response.fctrClosedwithmonetaryrelief                                                -6.201
## `Response.fctrClosedwithnon-monetaryrelief`                                          -4.096
## Response.fctrInprogress                                                                  NA
## Response.fctrUntimelyresponse                                                            NA
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                    -1.398
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                    -0.995
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                        -0.017
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                         -0.480
## `Rgn.Dvn.fctrOT#Other`                                                               -0.255
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                    -1.177
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                     0.167
## `Rgn.Dvn.fctrWT#Mountain`                                                             0.613
## `Rgn.Dvn.fctrWT#Pacific`                                                              0.729
## Sent.Recd.Dys                                                                        -0.516
## Sent.Recd.Dys.log1p                                                                  -0.517
## Sent.Recd.Dys.nexp                                                                   -0.274
## Sent.Recd.Dys.root2                                                                   0.503
## gCConsent.fctrConsentnotprovided                                                     -2.030
## gCConsent.fctrConsentprovided                                                        -2.685
## gCConsent.fctrOther                                                                  -0.811
## gCompany.fctrAmex                                                                     2.530
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                             1.203
## gCompany.fctrCitibank                                                                 0.651
## gCompany.fctrComerica                                                                 0.523
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                      -1.691
## gCompany.fctrOther                                                                    0.253
## `gCompany.fctrPayPalHoldings,Inc.`                                                    0.640
## gCompany.fctrU.S.Bancorp                                                              0.175
## gSPrd.fctrVehicleloan                                                                    NA
## gSPrd.fctrCheckingaccount                                                                NA
## gSPrd.fctrConventionalfixedmortgage                                                      NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                             NA
## gSPrd.fctrIdonotknow                                                                     NA
## gSPrd.fctr                                                                               NA
## gSPrd.fctrOthermortgage                                                                  NA
## gSPrd.fctrCreditcard                                                                     NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                          NA
## `gSPrd.fctrOtherbankproduct/service`                                                     NA
## `gSPrd.fctrNon-federalstudentloan`                                                       NA
## gSPrd.fctrFHAmortgage                                                                    NA
## `gSPrd.fctr(CD)Certificateofdeposit`                                                     NA
## gSPrd.fctrHomeequityloanorlineofcredit                                                   NA
## gSPrd.fctrVehiclelease                                                                   NA
## gSPrd.fctrSavingsaccount                                                                 NA
## gSPrd.fctrFederalstudentloan                                                             NA
## gSPrd.fctrMortgage                                                                       NA
## gSPrd.fctrReversemortgage                                                                NA
## gSPrd.fctrAuto                                                                           NA
## gSPrd.fctrInstallmentloan                                                                NA
## gSPrd.fctrMedical                                                                        NA
## gSPrd.fctrVAmortgage                                                                     NA
## `gSPrd.fctrDomestic(US)moneytransfer`                                                    NA
## gSPrd.fctrInternationalmoneytransfer                                                     NA
## gSPrd.fctrPersonallineofcredit                                                           NA
## gSPrd.fctrSecondmortgage                                                                 NA
## gSPrd.fctrCashingacheckwithoutanaccount                                                  NA
## gSPrd.fctrPaydayloan                                                                     NA
## gSPrd.fctrCheckcashing                                                                   NA
## gSPrd.fctrMobilewallet                                                                0.471
## gSPrd.fctrGovernmentbenefitpaymentcard                                                0.125
## gSPrd.fctrGiftormerchantcard                                                          0.498
## gSPrd.fctrGeneralpurposecard                                                         -0.023
## gSPrd.fctrTitleloan                                                                      NA
## gSPrd.fctrForeigncurrencyexchange                                                        NA
## gSPrd.fctrRefundanticipationcheck                                                        NA
## gSPrd.fctrDebtsettlement                                                                 NA
## gSPrd.fctrPayrollcard                                                                -1.106
## gSPrd.fctrIDprepaidcard                                                              -0.296
## gSPrd.fctrCreditrepair                                                                   NA
## gSPrd.fctrPawnloan                                                                       NA
## gSPrd.fctrMoneyorder                                                                     NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                       NA
## gSPrd.fctrFederalstudentloanservicing                                                    NA
## gTags.fctrOlderAmerican                                                               1.217
## gTags.fctrOlderAmericanServicemember                                                 -0.092
## gTags.fctrServicemember                                                               3.042
## `gSPrd.fctrOther:.clusterid.fctr2`                                                    1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                             NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                   NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                            NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                  NA
## `gSPrd.fctr:.clusterid.fctr2`                                                            NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                               NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                         NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                    NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                      NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                                 NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                    NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                                NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                                NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                              NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                          NA
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                    NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                             NA
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                        NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                             NA
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                   NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                  NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                        NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                              NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                               NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                                NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                             1.088
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                             1.088
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                       1.088
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                       1.088
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                     NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                     NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                              NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                              1.088
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                            1.088
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                                NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                    NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`      NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                                 NA
## `gSPrd.fctrOther:.clusterid.fctr3`                                                    1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                             NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                   NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                            NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                  NA
## `gSPrd.fctr:.clusterid.fctr3`                                                            NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                               NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                         NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                    NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                      NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                                 NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                    NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                                NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                                NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                              NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                          NA
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                             NA
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                        NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                             NA
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                   NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                  NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                        NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                              NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                               NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                                NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                             1.088
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                                NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                       1.088
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                       1.088
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                     NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                     NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                              NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                            1.088
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                                NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`      NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                                 NA
## `gSPrd.fctrOther:.clusterid.fctr4`                                                    1.088
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                             NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                   NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                            NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                  NA
## `gSPrd.fctr:.clusterid.fctr4`                                                            NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                               NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                         NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                    NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                      NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                                 NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                    NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                                NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                                NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                              NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                          NA
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                             NA
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                        NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                             NA
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                   NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                  NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                        NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                              NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                               NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                                NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                                NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                                NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                          NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                          NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                     NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                     NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                              NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                               NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                                NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`      NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                                 NA
##                                                                                     Pr(>|z|)
## (Intercept)                                                                         0.276625
## .clusterid                                                                          0.276625
## Channel.fctrFax                                                                     0.716178
## Channel.fctrPhone                                                                   3.99e-05
## Channel.fctrPostalmail                                                              0.032095
## Channel.fctrReferral                                                                5.38e-05
## `Datereceived.date.fctr(7,13]`                                                      0.736469
## `Datereceived.date.fctr(13,19]`                                                     0.982539
## `Datereceived.date.fctr(19,25]`                                                     0.994929
## `Datereceived.date.fctr(25,31]`                                                     0.883156
## Datereceived.juliandate                                                             0.884117
## Datereceived.last16.log1p                                                           0.625732
## Datereceived.last2.log1p                                                            0.001325
## Datereceived.last32.log1p                                                           0.918073
## Datereceived.last4.log1p                                                            0.993849
## Datereceived.last8.log1p                                                            0.315010
## Datereceived.month.fctr02                                                           0.770705
## Datereceived.month.fctr03                                                           0.753096
## Datereceived.month.fctr04                                                           0.962402
## Datereceived.month.fctr05                                                           0.981723
## Datereceived.month.fctr06                                                           0.819530
## Datereceived.month.fctr07                                                           0.978729
## Datereceived.month.fctr08                                                           0.944371
## Datereceived.month.fctr09                                                           0.937996
## Datereceived.month.fctr10                                                           0.930545
## Datereceived.month.fctr11                                                           0.899035
## Datereceived.month.fctr12                                                           0.923060
## Datereceived.wkday.fctr1                                                            0.001485
## Datereceived.wkday.fctr2                                                            0.007123
## Datereceived.wkday.fctr3                                                            0.010446
## Datereceived.wkday.fctr4                                                            0.001704
## Datereceived.wkday.fctr5                                                            0.000949
## Datereceived.wkday.fctr6                                                            0.172163
## Datereceived.wkend                                                                        NA
## Datereceived.year.fctr2015                                                          0.020145
## Datereceived.year.fctr2016                                                          0.002740
## `Datesenttocompany.date.fctr(7,13]`                                                       NA
## `Datesenttocompany.date.fctr(13,19]`                                                      NA
## `Datesenttocompany.date.fctr(19,25]`                                                      NA
## `Datesenttocompany.date.fctr(25,31]`                                                      NA
## Datesenttocompany.juliandate                                                              NA
## Datesenttocompany.last16.log1p                                                            NA
## Datesenttocompany.last2.log1p                                                             NA
## Datesenttocompany.last32.log1p                                                            NA
## Datesenttocompany.last4.log1p                                                             NA
## Datesenttocompany.last8.log1p                                                             NA
## Datesenttocompany.month.fctr02                                                            NA
## Datesenttocompany.month.fctr03                                                            NA
## Datesenttocompany.month.fctr04                                                            NA
## Datesenttocompany.month.fctr05                                                            NA
## Datesenttocompany.month.fctr06                                                            NA
## Datesenttocompany.month.fctr07                                                            NA
## Datesenttocompany.month.fctr08                                                            NA
## Datesenttocompany.month.fctr09                                                            NA
## Datesenttocompany.month.fctr10                                                            NA
## Datesenttocompany.month.fctr11                                                            NA
## Datesenttocompany.month.fctr12                                                            NA
## Datesenttocompany.wkday.fctr1                                                             NA
## Datesenttocompany.wkday.fctr2                                                             NA
## Datesenttocompany.wkday.fctr3                                                             NA
## Datesenttocompany.wkday.fctr4                                                             NA
## Datesenttocompany.wkday.fctr5                                                             NA
## Datesenttocompany.wkday.fctr6                                                             NA
## Datesenttocompany.wkend                                                                   NA
## Datesenttocompany.year.fctr2015                                                           NA
## Datesenttocompany.year.fctr2016                                                           NA
## Response.fctrClosed                                                                 0.735636
## Response.fctrClosedwithmonetaryrelief                                               5.63e-10
## `Response.fctrClosedwithnon-monetaryrelief`                                         4.21e-05
## Response.fctrInprogress                                                                   NA
## Response.fctrUntimelyresponse                                                             NA
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                   0.162096
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                   0.319979
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                       0.986195
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                        0.631082
## `Rgn.Dvn.fctrOT#Other`                                                              0.798605
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                   0.239037
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                   0.867739
## `Rgn.Dvn.fctrWT#Mountain`                                                           0.540066
## `Rgn.Dvn.fctrWT#Pacific`                                                            0.465851
## Sent.Recd.Dys                                                                       0.605849
## Sent.Recd.Dys.log1p                                                                 0.605244
## Sent.Recd.Dys.nexp                                                                  0.783983
## Sent.Recd.Dys.root2                                                                 0.615053
## gCConsent.fctrConsentnotprovided                                                    0.042404
## gCConsent.fctrConsentprovided                                                       0.007244
## gCConsent.fctrOther                                                                 0.417239
## gCompany.fctrAmex                                                                   0.011403
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                           0.228794
## gCompany.fctrCitibank                                                               0.514795
## gCompany.fctrComerica                                                               0.600791
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     0.090882
## gCompany.fctrOther                                                                  0.799928
## `gCompany.fctrPayPalHoldings,Inc.`                                                  0.522018
## gCompany.fctrU.S.Bancorp                                                            0.860981
## gSPrd.fctrVehicleloan                                                                     NA
## gSPrd.fctrCheckingaccount                                                                 NA
## gSPrd.fctrConventionalfixedmortgage                                                       NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                              NA
## gSPrd.fctrIdonotknow                                                                      NA
## gSPrd.fctr                                                                                NA
## gSPrd.fctrOthermortgage                                                                   NA
## gSPrd.fctrCreditcard                                                                      NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                           NA
## `gSPrd.fctrOtherbankproduct/service`                                                      NA
## `gSPrd.fctrNon-federalstudentloan`                                                        NA
## gSPrd.fctrFHAmortgage                                                                     NA
## `gSPrd.fctr(CD)Certificateofdeposit`                                                      NA
## gSPrd.fctrHomeequityloanorlineofcredit                                                    NA
## gSPrd.fctrVehiclelease                                                                    NA
## gSPrd.fctrSavingsaccount                                                                  NA
## gSPrd.fctrFederalstudentloan                                                              NA
## gSPrd.fctrMortgage                                                                        NA
## gSPrd.fctrReversemortgage                                                                 NA
## gSPrd.fctrAuto                                                                            NA
## gSPrd.fctrInstallmentloan                                                                 NA
## gSPrd.fctrMedical                                                                         NA
## gSPrd.fctrVAmortgage                                                                      NA
## `gSPrd.fctrDomestic(US)moneytransfer`                                                     NA
## gSPrd.fctrInternationalmoneytransfer                                                      NA
## gSPrd.fctrPersonallineofcredit                                                            NA
## gSPrd.fctrSecondmortgage                                                                  NA
## gSPrd.fctrCashingacheckwithoutanaccount                                                   NA
## gSPrd.fctrPaydayloan                                                                      NA
## gSPrd.fctrCheckcashing                                                                    NA
## gSPrd.fctrMobilewallet                                                              0.637572
## gSPrd.fctrGovernmentbenefitpaymentcard                                              0.900601
## gSPrd.fctrGiftormerchantcard                                                        0.618564
## gSPrd.fctrGeneralpurposecard                                                        0.981473
## gSPrd.fctrTitleloan                                                                       NA
## gSPrd.fctrForeigncurrencyexchange                                                         NA
## gSPrd.fctrRefundanticipationcheck                                                         NA
## gSPrd.fctrDebtsettlement                                                                  NA
## gSPrd.fctrPayrollcard                                                               0.268860
## gSPrd.fctrIDprepaidcard                                                             0.767067
## gSPrd.fctrCreditrepair                                                                    NA
## gSPrd.fctrPawnloan                                                                        NA
## gSPrd.fctrMoneyorder                                                                      NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                        NA
## gSPrd.fctrFederalstudentloanservicing                                                     NA
## gTags.fctrOlderAmerican                                                             0.223432
## gTags.fctrOlderAmericanServicemember                                                0.926904
## gTags.fctrServicemember                                                             0.002354
## `gSPrd.fctrOther:.clusterid.fctr2`                                                  0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                                  NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                              NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                    NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                             NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                   NA
## `gSPrd.fctr:.clusterid.fctr2`                                                             NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                                NA
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                          NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                     NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                       NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                                  NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                     NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                                 NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                               NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                           NA
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                              NA
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                         NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                              NA
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                      NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                    NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                   NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                         NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                               NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                                NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                           0.276625
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                           0.276625
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                     0.276625
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                     0.276625
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                    NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                      NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                      NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                               NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                            0.276625
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                          0.276625
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                                 NA
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                     NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                   NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`       NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                                  NA
## `gSPrd.fctrOther:.clusterid.fctr3`                                                  0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                              NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                    NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                             NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                   NA
## `gSPrd.fctr:.clusterid.fctr3`                                                             NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                                NA
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                          NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                     NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                       NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                                  NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                     NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                                 NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                               NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                           NA
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                              NA
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                         NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                              NA
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                      NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                    NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                   NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                         NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                               NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                                NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                           0.276625
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                                 NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                     0.276625
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                     0.276625
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                    NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                      NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                      NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                               NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                                  NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                          0.276625
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                                 NA
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                     NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                   NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`       NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                                  NA
## `gSPrd.fctrOther:.clusterid.fctr4`                                                  0.276625
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                              NA
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                    NA
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                             NA
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                   NA
## `gSPrd.fctr:.clusterid.fctr4`                                                             NA
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                                NA
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                          NA
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                     NA
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                       NA
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                                  NA
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                     NA
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                                 NA
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                               NA
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                           NA
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                              NA
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                         NA
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                              NA
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                      NA
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                    NA
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                   NA
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                         NA
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                               NA
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                                NA
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                                 NA
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                           NA
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                           NA
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                    NA
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                      NA
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                      NA
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                               NA
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                                  NA
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                                NA
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                                 NA
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                     NA
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                   NA
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`       NA
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                                  NA
##                                                                                        
## (Intercept)                                                                            
## .clusterid                                                                             
## Channel.fctrFax                                                                        
## Channel.fctrPhone                                                                   ***
## Channel.fctrPostalmail                                                              *  
## Channel.fctrReferral                                                                ***
## `Datereceived.date.fctr(7,13]`                                                         
## `Datereceived.date.fctr(13,19]`                                                        
## `Datereceived.date.fctr(19,25]`                                                        
## `Datereceived.date.fctr(25,31]`                                                        
## Datereceived.juliandate                                                                
## Datereceived.last16.log1p                                                              
## Datereceived.last2.log1p                                                            ** 
## Datereceived.last32.log1p                                                              
## Datereceived.last4.log1p                                                               
## Datereceived.last8.log1p                                                               
## Datereceived.month.fctr02                                                              
## Datereceived.month.fctr03                                                              
## Datereceived.month.fctr04                                                              
## Datereceived.month.fctr05                                                              
## Datereceived.month.fctr06                                                              
## Datereceived.month.fctr07                                                              
## Datereceived.month.fctr08                                                              
## Datereceived.month.fctr09                                                              
## Datereceived.month.fctr10                                                              
## Datereceived.month.fctr11                                                              
## Datereceived.month.fctr12                                                              
## Datereceived.wkday.fctr1                                                            ** 
## Datereceived.wkday.fctr2                                                            ** 
## Datereceived.wkday.fctr3                                                            *  
## Datereceived.wkday.fctr4                                                            ** 
## Datereceived.wkday.fctr5                                                            ***
## Datereceived.wkday.fctr6                                                               
## Datereceived.wkend                                                                     
## Datereceived.year.fctr2015                                                          *  
## Datereceived.year.fctr2016                                                          ** 
## `Datesenttocompany.date.fctr(7,13]`                                                    
## `Datesenttocompany.date.fctr(13,19]`                                                   
## `Datesenttocompany.date.fctr(19,25]`                                                   
## `Datesenttocompany.date.fctr(25,31]`                                                   
## Datesenttocompany.juliandate                                                           
## Datesenttocompany.last16.log1p                                                         
## Datesenttocompany.last2.log1p                                                          
## Datesenttocompany.last32.log1p                                                         
## Datesenttocompany.last4.log1p                                                          
## Datesenttocompany.last8.log1p                                                          
## Datesenttocompany.month.fctr02                                                         
## Datesenttocompany.month.fctr03                                                         
## Datesenttocompany.month.fctr04                                                         
## Datesenttocompany.month.fctr05                                                         
## Datesenttocompany.month.fctr06                                                         
## Datesenttocompany.month.fctr07                                                         
## Datesenttocompany.month.fctr08                                                         
## Datesenttocompany.month.fctr09                                                         
## Datesenttocompany.month.fctr10                                                         
## Datesenttocompany.month.fctr11                                                         
## Datesenttocompany.month.fctr12                                                         
## Datesenttocompany.wkday.fctr1                                                          
## Datesenttocompany.wkday.fctr2                                                          
## Datesenttocompany.wkday.fctr3                                                          
## Datesenttocompany.wkday.fctr4                                                          
## Datesenttocompany.wkday.fctr5                                                          
## Datesenttocompany.wkday.fctr6                                                          
## Datesenttocompany.wkend                                                                
## Datesenttocompany.year.fctr2015                                                        
## Datesenttocompany.year.fctr2016                                                        
## Response.fctrClosed                                                                    
## Response.fctrClosedwithmonetaryrelief                                               ***
## `Response.fctrClosedwithnon-monetaryrelief`                                         ***
## Response.fctrInprogress                                                                
## Response.fctrUntimelyresponse                                                          
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                      
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                      
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                          
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                           
## `Rgn.Dvn.fctrOT#Other`                                                                 
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                      
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                      
## `Rgn.Dvn.fctrWT#Mountain`                                                              
## `Rgn.Dvn.fctrWT#Pacific`                                                               
## Sent.Recd.Dys                                                                          
## Sent.Recd.Dys.log1p                                                                    
## Sent.Recd.Dys.nexp                                                                     
## Sent.Recd.Dys.root2                                                                    
## gCConsent.fctrConsentnotprovided                                                    *  
## gCConsent.fctrConsentprovided                                                       ** 
## gCConsent.fctrOther                                                                    
## gCompany.fctrAmex                                                                   *  
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                              
## gCompany.fctrCitibank                                                                  
## gCompany.fctrComerica                                                                  
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     .  
## gCompany.fctrOther                                                                     
## `gCompany.fctrPayPalHoldings,Inc.`                                                     
## gCompany.fctrU.S.Bancorp                                                               
## gSPrd.fctrVehicleloan                                                                  
## gSPrd.fctrCheckingaccount                                                              
## gSPrd.fctrConventionalfixedmortgage                                                    
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                           
## gSPrd.fctrIdonotknow                                                                   
## gSPrd.fctr                                                                             
## gSPrd.fctrOthermortgage                                                                
## gSPrd.fctrCreditcard                                                                   
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                        
## `gSPrd.fctrOtherbankproduct/service`                                                   
## `gSPrd.fctrNon-federalstudentloan`                                                     
## gSPrd.fctrFHAmortgage                                                                  
## `gSPrd.fctr(CD)Certificateofdeposit`                                                   
## gSPrd.fctrHomeequityloanorlineofcredit                                                 
## gSPrd.fctrVehiclelease                                                                 
## gSPrd.fctrSavingsaccount                                                               
## gSPrd.fctrFederalstudentloan                                                           
## gSPrd.fctrMortgage                                                                     
## gSPrd.fctrReversemortgage                                                              
## gSPrd.fctrAuto                                                                         
## gSPrd.fctrInstallmentloan                                                              
## gSPrd.fctrMedical                                                                      
## gSPrd.fctrVAmortgage                                                                   
## `gSPrd.fctrDomestic(US)moneytransfer`                                                  
## gSPrd.fctrInternationalmoneytransfer                                                   
## gSPrd.fctrPersonallineofcredit                                                         
## gSPrd.fctrSecondmortgage                                                               
## gSPrd.fctrCashingacheckwithoutanaccount                                                
## gSPrd.fctrPaydayloan                                                                   
## gSPrd.fctrCheckcashing                                                                 
## gSPrd.fctrMobilewallet                                                                 
## gSPrd.fctrGovernmentbenefitpaymentcard                                                 
## gSPrd.fctrGiftormerchantcard                                                           
## gSPrd.fctrGeneralpurposecard                                                           
## gSPrd.fctrTitleloan                                                                    
## gSPrd.fctrForeigncurrencyexchange                                                      
## gSPrd.fctrRefundanticipationcheck                                                      
## gSPrd.fctrDebtsettlement                                                               
## gSPrd.fctrPayrollcard                                                                  
## gSPrd.fctrIDprepaidcard                                                                
## gSPrd.fctrCreditrepair                                                                 
## gSPrd.fctrPawnloan                                                                     
## gSPrd.fctrMoneyorder                                                                   
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                     
## gSPrd.fctrFederalstudentloanservicing                                                  
## gTags.fctrOlderAmerican                                                                
## gTags.fctrOlderAmericanServicemember                                                   
## gTags.fctrServicemember                                                             ** 
## `gSPrd.fctrOther:.clusterid.fctr2`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                
## `gSPrd.fctr:.clusterid.fctr2`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                           
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                           
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                               
## `gSPrd.fctrOther:.clusterid.fctr3`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                
## `gSPrd.fctr:.clusterid.fctr3`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                           
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                           
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                               
## `gSPrd.fctrOther:.clusterid.fctr4`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                
## `gSPrd.fctr:.clusterid.fctr4`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                           
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                           
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                               
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## (Dispersion parameter for binomial family taken to be 1)
## 
##     Null deviance: 1545.1  on 1342  degrees of freedom
## Residual deviance: 1250.9  on 1259  degrees of freedom
## AIC: 1418.9
## 
## Number of Fisher Scoring iterations: 25
## 
## [1] "mydisplayOutliers: "
## 
## No Studentized residuals with Bonferonni p < 0.05
## Largest |rstudent|:
##         rstudent unadjusted p-value Bonferonni p
## X31668 -3.414365         0.00063931      0.85859
## [1] ""
##    .rstudent          .dffits            .hatvalues      
##  Min.   :-3.4144   Min.   :-13.27444   Min.   :0.006397  
##  1st Qu.:-0.8004   1st Qu.: -0.22207   1st Qu.:0.034378  
##  Median :-0.4408   Median : -0.08485   Median :0.055745  
##  Mean   :-0.1323   Mean   : -0.04277   Mean   :0.062547  
##  3rd Qu.: 0.6509   3rd Qu.:  0.16003   3rd Qu.:0.076444  
##  Max.   : 2.9607   Max.   :  0.79890   Max.   :0.916008  
## [1] "myfit_mdl: train diagnostics complete: 30.008000 secs"
## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading
## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading

##          Prediction
## Reference   N   Y
##         N 698 293
##         Y 106 246
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.029039e-01   3.442423e-01   6.776663e-01   7.272505e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   9.982054e-01   1.258654e-20
## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading

## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading

##          Prediction
## Reference   N   Y
##         N 923 518
##         Y  21  64
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.467890e-01   1.048948e-01   6.222157e-01   6.707959e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00  2.875402e-101 
## [1] "myfit_mdl: predict complete: 36.518000 secs"
##               id
## 1 All.X##rcv#glm
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               1                     28.982                 2.691
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.6537345    0.9182644    0.3892045       0.7853953
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.3       0.5521886        0.7329529
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.6776663             0.7272505      0.206553
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.4657267       0.6230191    0.8813324    0.3647059
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.7239744                   0.25        0.191904         0.646789
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1             0.6222157             0.6707959     0.1048948
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3550878         0.02349537      0.07475894
## Warning in predict.lm(object, newdata, se.fit, scale = 1, type =
## ifelse(type == : prediction from a rank-deficient fit may be misleading
## [1] "myfit_mdl: exit: 36.669000 secs"
##                label step_major step_minor label_minor     bgn     end
## 6 fit.models_1_All.X          1          5         glm 199.802 236.474
## 7 fit.models_1_All.X          1          6    bayesglm 236.474      NA
##   elapsed
## 6  36.672
## 7      NA
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: All.X##rcv#bayesglm"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.616000 secs"
## Loading required package: arm
## Loading required package: MASS
## 
## Attaching package: 'MASS'
## The following object is masked from 'package:dplyr':
## 
##     select
## Loading required package: lme4
## 
## arm (Version 1.9-1, built: 2016-8-21)
## Working directory is /Users/bbi/Documents/Work/DataScience/CFPB

## Aggregating results
## Fitting final model on full training set
## [1] "myfit_mdl: train complete: 19.275000 secs"
##   parameter
## 1      none
## 
## Call:
## NULL
## 
## Deviance Residuals: 
##     Min       1Q   Median       3Q      Max  
## -1.8767  -0.7606  -0.4276   0.6917   2.8494  
## 
## Coefficients:
##                                                                                       Estimate
## (Intercept)                                                                         -2.6049732
## .clusterid                                                                           0.1405912
## Channel.fctrFax                                                                     -2.4111143
## Channel.fctrPhone                                                                   -1.2462213
## Channel.fctrPostalmail                                                              -0.8522389
## Channel.fctrReferral                                                                -1.1544520
## `Datereceived.date.fctr(7,13]`                                                       0.0630686
## `Datereceived.date.fctr(13,19]`                                                      0.0096325
## `Datereceived.date.fctr(19,25]`                                                      0.0215819
## `Datereceived.date.fctr(25,31]`                                                     -0.0384886
## Datereceived.juliandate                                                              0.0008917
## Datereceived.last16.log1p                                                            0.0137027
## Datereceived.last2.log1p                                                             0.0259940
## Datereceived.last32.log1p                                                           -0.0053874
## Datereceived.last4.log1p                                                             0.0003299
## Datereceived.last8.log1p                                                             0.0249389
## Datereceived.month.fctr02                                                           -0.1287338
## Datereceived.month.fctr03                                                           -0.2660757
## Datereceived.month.fctr04                                                            0.0942349
## Datereceived.month.fctr05                                                            0.1859197
## Datereceived.month.fctr06                                                           -0.4085767
## Datereceived.month.fctr07                                                            0.2576149
## Datereceived.month.fctr08                                                            0.1155481
## Datereceived.month.fctr09                                                            0.1093963
## Datereceived.month.fctr10                                                            0.0660403
## Datereceived.month.fctr11                                                           -0.1789490
## Datereceived.month.fctr12                                                            0.0171181
## Datereceived.wkday.fctr1                                                             0.1305879
## Datereceived.wkday.fctr2                                                             0.0359681
## Datereceived.wkday.fctr3                                                             0.0068935
## Datereceived.wkday.fctr4                                                             0.1174511
## Datereceived.wkday.fctr5                                                             0.1565538
## Datereceived.wkday.fctr6                                                             0.2568956
## Datereceived.wkend                                                                  -0.4616192
## Datereceived.year.fctr2015                                                           0.3185959
## Datereceived.year.fctr2016                                                           0.5216220
## `Datesenttocompany.date.fctr(7,13]`                                                  0.0630686
## `Datesenttocompany.date.fctr(13,19]`                                                 0.0096325
## `Datesenttocompany.date.fctr(19,25]`                                                 0.0215819
## `Datesenttocompany.date.fctr(25,31]`                                                -0.0384886
## Datesenttocompany.juliandate                                                         0.0008917
## Datesenttocompany.last16.log1p                                                       0.0137027
## Datesenttocompany.last2.log1p                                                        0.0259940
## Datesenttocompany.last32.log1p                                                      -0.0053874
## Datesenttocompany.last4.log1p                                                        0.0003299
## Datesenttocompany.last8.log1p                                                        0.0249389
## Datesenttocompany.month.fctr02                                                      -0.1287338
## Datesenttocompany.month.fctr03                                                      -0.2660757
## Datesenttocompany.month.fctr04                                                       0.0942349
## Datesenttocompany.month.fctr05                                                       0.1859197
## Datesenttocompany.month.fctr06                                                      -0.4085767
## Datesenttocompany.month.fctr07                                                       0.2576149
## Datesenttocompany.month.fctr08                                                       0.1155481
## Datesenttocompany.month.fctr09                                                       0.1093963
## Datesenttocompany.month.fctr10                                                       0.0660403
## Datesenttocompany.month.fctr11                                                      -0.1789490
## Datesenttocompany.month.fctr12                                                       0.0171181
## Datesenttocompany.wkday.fctr1                                                        0.1305879
## Datesenttocompany.wkday.fctr2                                                        0.0359681
## Datesenttocompany.wkday.fctr3                                                        0.0068935
## Datesenttocompany.wkday.fctr4                                                        0.1174511
## Datesenttocompany.wkday.fctr5                                                        0.1565538
## Datesenttocompany.wkday.fctr6                                                        0.2568956
## Datesenttocompany.wkend                                                             -0.4616192
## Datesenttocompany.year.fctr2015                                                      0.3185959
## Datesenttocompany.year.fctr2016                                                      0.5216220
## Response.fctrClosed                                                                 -0.2246459
## Response.fctrClosedwithmonetaryrelief                                               -1.1791172
## `Response.fctrClosedwithnon-monetaryrelief`                                         -1.2090258
## Response.fctrInprogress                                                              0.0000000
## Response.fctrUntimelyresponse                                                        0.0000000
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                   -0.3533241
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                   -0.4117121
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                       -0.0085757
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                        -0.1364295
## `Rgn.Dvn.fctrOT#Other`                                                              -0.1430189
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                   -0.4980949
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                    0.0436095
## `Rgn.Dvn.fctrWT#Mountain`                                                            0.1800759
## `Rgn.Dvn.fctrWT#Pacific`                                                             0.1777588
## Sent.Recd.Dys                                                                       -0.0143817
## Sent.Recd.Dys.log1p                                                                 -0.0823791
## Sent.Recd.Dys.nexp                                                                   0.1004568
## Sent.Recd.Dys.root2                                                                  0.0707172
## gCConsent.fctrConsentnotprovided                                                    -0.5127660
## gCConsent.fctrConsentprovided                                                       -0.6516478
## gCConsent.fctrOther                                                                 -0.2380402
## gCompany.fctrAmex                                                                    0.8353241
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                            0.4648515
## gCompany.fctrCitibank                                                                0.2503403
## gCompany.fctrComerica                                                                0.2339971
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     -0.6772740
## gCompany.fctrOther                                                                   0.0689238
## `gCompany.fctrPayPalHoldings,Inc.`                                                   0.2459843
## gCompany.fctrU.S.Bancorp                                                             0.0243143
## gSPrd.fctrVehicleloan                                                                0.0000000
## gSPrd.fctrCheckingaccount                                                            0.0000000
## gSPrd.fctrConventionalfixedmortgage                                                  0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                         0.0000000
## gSPrd.fctrIdonotknow                                                                 0.0000000
## gSPrd.fctr                                                                           0.0000000
## gSPrd.fctrOthermortgage                                                              0.0000000
## gSPrd.fctrCreditcard                                                                 0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                      0.0000000
## `gSPrd.fctrOtherbankproduct/service`                                                 0.0000000
## `gSPrd.fctrNon-federalstudentloan`                                                   0.0000000
## gSPrd.fctrFHAmortgage                                                                0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit`                                                 0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit                                               0.0000000
## gSPrd.fctrVehiclelease                                                               0.0000000
## gSPrd.fctrSavingsaccount                                                             0.0000000
## gSPrd.fctrFederalstudentloan                                                         0.0000000
## gSPrd.fctrMortgage                                                                   0.0000000
## gSPrd.fctrReversemortgage                                                            0.0000000
## gSPrd.fctrAuto                                                                       0.0000000
## gSPrd.fctrInstallmentloan                                                            0.0000000
## gSPrd.fctrMedical                                                                    0.0000000
## gSPrd.fctrVAmortgage                                                                 0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer`                                                0.0000000
## gSPrd.fctrInternationalmoneytransfer                                                 0.0000000
## gSPrd.fctrPersonallineofcredit                                                       0.0000000
## gSPrd.fctrSecondmortgage                                                             0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount                                              0.0000000
## gSPrd.fctrPaydayloan                                                                 0.0000000
## gSPrd.fctrCheckcashing                                                               0.0000000
## gSPrd.fctrMobilewallet                                                               0.2372639
## gSPrd.fctrGovernmentbenefitpaymentcard                                               0.0778987
## gSPrd.fctrGiftormerchantcard                                                         0.2843129
## gSPrd.fctrGeneralpurposecard                                                         0.0088227
## gSPrd.fctrTitleloan                                                                  0.0000000
## gSPrd.fctrForeigncurrencyexchange                                                    0.0000000
## gSPrd.fctrRefundanticipationcheck                                                    0.0000000
## gSPrd.fctrDebtsettlement                                                             0.0000000
## gSPrd.fctrPayrollcard                                                               -0.5438189
## gSPrd.fctrIDprepaidcard                                                             -0.1520412
## gSPrd.fctrCreditrepair                                                               0.0000000
## gSPrd.fctrPawnloan                                                                   0.0000000
## gSPrd.fctrMoneyorder                                                                 0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                   0.0000000
## gSPrd.fctrFederalstudentloanservicing                                                0.0000000
## gTags.fctrOlderAmerican                                                              0.3763445
## gTags.fctrOlderAmericanServicemember                                                -0.0677620
## gTags.fctrServicemember                                                              0.8025876
## `gSPrd.fctrOther:.clusterid.fctr2`                                                   0.7690476
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                             0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                         0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                               0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                        0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                              0.0000000
## `gSPrd.fctr:.clusterid.fctr2`                                                        0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                           0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                              0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                     0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                  0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                             0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                            0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                            0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                          0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                      0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                         0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                    0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                         0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                              0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                               0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                              0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                    0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                          0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                           0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                              0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                            0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                           -0.0330095
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                            0.1240720
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                     -0.0085861
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                      0.2264497
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                               0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                          0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                             1.0959881
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                          -0.3358742
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                            0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                              0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`  0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                             0.0000000
## `gSPrd.fctrOther:.clusterid.fctr3`                                                  -0.0443531
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                             0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                         0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                               0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                        0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                              0.0000000
## `gSPrd.fctr:.clusterid.fctr3`                                                        0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                           0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                              0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                     0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                  0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                             0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                            0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                            0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                          0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                      0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                         0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                    0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                         0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                              0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                               0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                              0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                    0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                          0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                           0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                              0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                            0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                            0.7633175
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                            0.0000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                      0.3619783
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                     -0.2979599
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                               0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                          0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                             0.0000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                           0.0120159
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                            0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                              0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`  0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                             0.0000000
## `gSPrd.fctrOther:.clusterid.fctr4`                                                  -1.4779483
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                             0.0000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                         0.0000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                               0.0000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                        0.0000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                              0.0000000
## `gSPrd.fctr:.clusterid.fctr4`                                                        0.0000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                           0.0000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                              0.0000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                     0.0000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                0.0000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                  0.0000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                             0.0000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                0.0000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                            0.0000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                            0.0000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                          0.0000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                      0.0000000
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                0.0000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                         0.0000000
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                    0.0000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                         0.0000000
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                 0.0000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                              0.0000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                               0.0000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                              0.0000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                    0.0000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                          0.0000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                           0.0000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                              0.0000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                            0.0000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                            0.0000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                            0.0000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                      0.0000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                      0.0000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                               0.0000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                 0.0000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                 0.0000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                          0.0000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                             0.0000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                           0.0000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                            0.0000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                0.0000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                              0.0000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`  0.0000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                             0.0000000
##                                                                                     Std. Error
## (Intercept)                                                                          1.8339939
## .clusterid                                                                           0.3560793
## Channel.fctrFax                                                                      1.5236706
## Channel.fctrPhone                                                                    0.3192534
## Channel.fctrPostalmail                                                               0.4531539
## Channel.fctrReferral                                                                 0.3069083
## `Datereceived.date.fctr(7,13]`                                                       1.4493369
## `Datereceived.date.fctr(13,19]`                                                      1.4498735
## `Datereceived.date.fctr(19,25]`                                                      1.4499414
## `Datereceived.date.fctr(25,31]`                                                      1.4511824
## Datereceived.juliandate                                                              0.0074374
## Datereceived.last16.log1p                                                            0.1694764
## Datereceived.last2.log1p                                                             0.1267320
## Datereceived.last32.log1p                                                            0.2102992
## Datereceived.last4.log1p                                                             0.1323328
## Datereceived.last8.log1p                                                             0.1535508
## Datereceived.month.fctr02                                                            1.4670843
## Datereceived.month.fctr03                                                            1.4755732
## Datereceived.month.fctr04                                                            1.4730213
## Datereceived.month.fctr05                                                            1.4842274
## Datereceived.month.fctr06                                                            1.5168704
## Datereceived.month.fctr07                                                            1.5198504
## Datereceived.month.fctr08                                                            1.5384763
## Datereceived.month.fctr09                                                            1.5625791
## Datereceived.month.fctr10                                                            1.5910317
## Datereceived.month.fctr11                                                            1.6264234
## Datereceived.month.fctr12                                                            1.6539355
## Datereceived.wkday.fctr1                                                             1.6101981
## Datereceived.wkday.fctr2                                                             1.6084532
## Datereceived.wkday.fctr3                                                             1.6081944
## Datereceived.wkday.fctr4                                                             1.6096425
## Datereceived.wkday.fctr5                                                             1.6111570
## Datereceived.wkday.fctr6                                                             1.4704468
## Datereceived.wkend                                                                   1.6362916
## Datereceived.year.fctr2015                                                           1.4649714
## Datereceived.year.fctr2016                                                           1.4887234
## `Datesenttocompany.date.fctr(7,13]`                                                  1.4493369
## `Datesenttocompany.date.fctr(13,19]`                                                 1.4498735
## `Datesenttocompany.date.fctr(19,25]`                                                 1.4499414
## `Datesenttocompany.date.fctr(25,31]`                                                 1.4511824
## Datesenttocompany.juliandate                                                         0.0074374
## Datesenttocompany.last16.log1p                                                       0.1694764
## Datesenttocompany.last2.log1p                                                        0.1267320
## Datesenttocompany.last32.log1p                                                       0.2102992
## Datesenttocompany.last4.log1p                                                        0.1323328
## Datesenttocompany.last8.log1p                                                        0.1535508
## Datesenttocompany.month.fctr02                                                       1.4670843
## Datesenttocompany.month.fctr03                                                       1.4755732
## Datesenttocompany.month.fctr04                                                       1.4730213
## Datesenttocompany.month.fctr05                                                       1.4842274
## Datesenttocompany.month.fctr06                                                       1.5168704
## Datesenttocompany.month.fctr07                                                       1.5198504
## Datesenttocompany.month.fctr08                                                       1.5384763
## Datesenttocompany.month.fctr09                                                       1.5625791
## Datesenttocompany.month.fctr10                                                       1.5910317
## Datesenttocompany.month.fctr11                                                       1.6264234
## Datesenttocompany.month.fctr12                                                       1.6539355
## Datesenttocompany.wkday.fctr1                                                        1.6101981
## Datesenttocompany.wkday.fctr2                                                        1.6084532
## Datesenttocompany.wkday.fctr3                                                        1.6081944
## Datesenttocompany.wkday.fctr4                                                        1.6096425
## Datesenttocompany.wkday.fctr5                                                        1.6111570
## Datesenttocompany.wkday.fctr6                                                        1.4704468
## Datesenttocompany.wkend                                                              1.6362916
## Datesenttocompany.year.fctr2015                                                      1.4649714
## Datesenttocompany.year.fctr2016                                                      1.4887234
## Response.fctrClosed                                                                  0.6972454
## Response.fctrClosedwithmonetaryrelief                                                0.1889258
## `Response.fctrClosedwithnon-monetaryrelief`                                          0.2938068
## Response.fctrInprogress                                                              2.5000000
## Response.fctrUntimelyresponse                                                        2.5000000
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                    0.2554088
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                    0.4169082
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                        0.2378904
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                         0.3405668
## `Rgn.Dvn.fctrOT#Other`                                                               0.5817554
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                    0.4268246
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                    0.2662662
## `Rgn.Dvn.fctrWT#Mountain`                                                            0.2944789
## `Rgn.Dvn.fctrWT#Pacific`                                                             0.2157897
## Sent.Recd.Dys                                                                        0.0415559
## Sent.Recd.Dys.log1p                                                                  0.8828471
## Sent.Recd.Dys.nexp                                                                   0.4865797
## Sent.Recd.Dys.root2                                                                  0.6694009
## gCConsent.fctrConsentnotprovided                                                     0.2978426
## gCConsent.fctrConsentprovided                                                        0.2736656
## gCConsent.fctrOther                                                                  0.4483384
## gCompany.fctrAmex                                                                    0.3157717
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                            0.3859289
## gCompany.fctrCitibank                                                                0.3993697
## gCompany.fctrComerica                                                                0.5009527
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                      0.3652913
## gCompany.fctrOther                                                                   0.3372354
## `gCompany.fctrPayPalHoldings,Inc.`                                                   0.3920119
## gCompany.fctrU.S.Bancorp                                                             0.3816648
## gSPrd.fctrVehicleloan                                                                2.5000000
## gSPrd.fctrCheckingaccount                                                            2.5000000
## gSPrd.fctrConventionalfixedmortgage                                                  2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                         2.5000000
## gSPrd.fctrIdonotknow                                                                 2.5000000
## gSPrd.fctr                                                                           2.5000000
## gSPrd.fctrOthermortgage                                                              2.5000000
## gSPrd.fctrCreditcard                                                                 2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                      2.5000000
## `gSPrd.fctrOtherbankproduct/service`                                                 2.5000000
## `gSPrd.fctrNon-federalstudentloan`                                                   2.5000000
## gSPrd.fctrFHAmortgage                                                                2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit`                                                 2.5000000
## gSPrd.fctrHomeequityloanorlineofcredit                                               2.5000000
## gSPrd.fctrVehiclelease                                                               2.5000000
## gSPrd.fctrSavingsaccount                                                             2.5000000
## gSPrd.fctrFederalstudentloan                                                         2.5000000
## gSPrd.fctrMortgage                                                                   2.5000000
## gSPrd.fctrReversemortgage                                                            2.5000000
## gSPrd.fctrAuto                                                                       2.5000000
## gSPrd.fctrInstallmentloan                                                            2.5000000
## gSPrd.fctrMedical                                                                    2.5000000
## gSPrd.fctrVAmortgage                                                                 2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer`                                                2.5000000
## gSPrd.fctrInternationalmoneytransfer                                                 2.5000000
## gSPrd.fctrPersonallineofcredit                                                       2.5000000
## gSPrd.fctrSecondmortgage                                                             2.5000000
## gSPrd.fctrCashingacheckwithoutanaccount                                              2.5000000
## gSPrd.fctrPaydayloan                                                                 2.5000000
## gSPrd.fctrCheckcashing                                                               2.5000000
## gSPrd.fctrMobilewallet                                                               0.4550289
## gSPrd.fctrGovernmentbenefitpaymentcard                                               0.5302213
## gSPrd.fctrGiftormerchantcard                                                         0.4310672
## gSPrd.fctrGeneralpurposecard                                                         0.3866038
## gSPrd.fctrTitleloan                                                                  2.5000000
## gSPrd.fctrForeigncurrencyexchange                                                    2.5000000
## gSPrd.fctrRefundanticipationcheck                                                    2.5000000
## gSPrd.fctrDebtsettlement                                                             2.5000000
## gSPrd.fctrPayrollcard                                                                0.4739391
## gSPrd.fctrIDprepaidcard                                                              0.5116084
## gSPrd.fctrCreditrepair                                                               2.5000000
## gSPrd.fctrPawnloan                                                                   2.5000000
## gSPrd.fctrMoneyorder                                                                 2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                   2.5000000
## gSPrd.fctrFederalstudentloanservicing                                                2.5000000
## gTags.fctrOlderAmerican                                                              0.3155995
## gTags.fctrOlderAmericanServicemember                                                 0.5567118
## gTags.fctrServicemember                                                              0.2642889
## `gSPrd.fctrOther:.clusterid.fctr2`                                                   0.6510010
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                             2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                         2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                               2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                        2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                              2.5000000
## `gSPrd.fctr:.clusterid.fctr2`                                                        2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                           2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                              2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                     2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                  2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                             2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                            2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                            2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                          2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                      2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                         2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                    2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                         2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                              2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                               2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                              2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                    2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                          2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                           2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                              2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                            2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                            0.5897698
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                            0.7506264
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                      0.7463410
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                      0.5747220
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                               2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                          2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                             0.8075911
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                           1.0202678
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                            2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                              2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`  2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                             2.5000000
## `gSPrd.fctrOther:.clusterid.fctr3`                                                   0.8606166
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                             2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                         2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                               2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                        2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                              2.5000000
## `gSPrd.fctr:.clusterid.fctr3`                                                        2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                           2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                              2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                     2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                  2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                             2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                            2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                            2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                          2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                      2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                         2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                    2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                         2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                              2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                               2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                              2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                    2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                          2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                           2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                              2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                            2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                            0.8132020
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                            2.5000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                      0.9193033
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                      0.7404740
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                               2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                          2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                             2.5000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                           0.9085628
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                            2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                              2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`  2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                             2.5000000
## `gSPrd.fctrOther:.clusterid.fctr4`                                                   1.6533772
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                             2.5000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                         2.5000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                               2.5000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                        2.5000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                              2.5000000
## `gSPrd.fctr:.clusterid.fctr4`                                                        2.5000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                           2.5000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                              2.5000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                     2.5000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                2.5000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                  2.5000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                             2.5000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                2.5000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                            2.5000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                            2.5000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                          2.5000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                      2.5000000
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                2.5000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                         2.5000000
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                    2.5000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                         2.5000000
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                 2.5000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                              2.5000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                               2.5000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                              2.5000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                    2.5000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                          2.5000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                           2.5000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                              2.5000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                            2.5000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                            2.5000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                            2.5000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                      2.5000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                      2.5000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                               2.5000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                 2.5000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                 2.5000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                          2.5000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                             2.5000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                           2.5000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                            2.5000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                2.5000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                              2.5000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`  2.5000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                             2.5000000
##                                                                                     z value
## (Intercept)                                                                          -1.420
## .clusterid                                                                            0.395
## Channel.fctrFax                                                                      -1.582
## Channel.fctrPhone                                                                    -3.904
## Channel.fctrPostalmail                                                               -1.881
## Channel.fctrReferral                                                                 -3.762
## `Datereceived.date.fctr(7,13]`                                                        0.044
## `Datereceived.date.fctr(13,19]`                                                       0.007
## `Datereceived.date.fctr(19,25]`                                                       0.015
## `Datereceived.date.fctr(25,31]`                                                      -0.027
## Datereceived.juliandate                                                               0.120
## Datereceived.last16.log1p                                                             0.081
## Datereceived.last2.log1p                                                              0.205
## Datereceived.last32.log1p                                                            -0.026
## Datereceived.last4.log1p                                                              0.002
## Datereceived.last8.log1p                                                              0.162
## Datereceived.month.fctr02                                                            -0.088
## Datereceived.month.fctr03                                                            -0.180
## Datereceived.month.fctr04                                                             0.064
## Datereceived.month.fctr05                                                             0.125
## Datereceived.month.fctr06                                                            -0.269
## Datereceived.month.fctr07                                                             0.170
## Datereceived.month.fctr08                                                             0.075
## Datereceived.month.fctr09                                                             0.070
## Datereceived.month.fctr10                                                             0.042
## Datereceived.month.fctr11                                                            -0.110
## Datereceived.month.fctr12                                                             0.010
## Datereceived.wkday.fctr1                                                              0.081
## Datereceived.wkday.fctr2                                                              0.022
## Datereceived.wkday.fctr3                                                              0.004
## Datereceived.wkday.fctr4                                                              0.073
## Datereceived.wkday.fctr5                                                              0.097
## Datereceived.wkday.fctr6                                                              0.175
## Datereceived.wkend                                                                   -0.282
## Datereceived.year.fctr2015                                                            0.217
## Datereceived.year.fctr2016                                                            0.350
## `Datesenttocompany.date.fctr(7,13]`                                                   0.044
## `Datesenttocompany.date.fctr(13,19]`                                                  0.007
## `Datesenttocompany.date.fctr(19,25]`                                                  0.015
## `Datesenttocompany.date.fctr(25,31]`                                                 -0.027
## Datesenttocompany.juliandate                                                          0.120
## Datesenttocompany.last16.log1p                                                        0.081
## Datesenttocompany.last2.log1p                                                         0.205
## Datesenttocompany.last32.log1p                                                       -0.026
## Datesenttocompany.last4.log1p                                                         0.002
## Datesenttocompany.last8.log1p                                                         0.162
## Datesenttocompany.month.fctr02                                                       -0.088
## Datesenttocompany.month.fctr03                                                       -0.180
## Datesenttocompany.month.fctr04                                                        0.064
## Datesenttocompany.month.fctr05                                                        0.125
## Datesenttocompany.month.fctr06                                                       -0.269
## Datesenttocompany.month.fctr07                                                        0.170
## Datesenttocompany.month.fctr08                                                        0.075
## Datesenttocompany.month.fctr09                                                        0.070
## Datesenttocompany.month.fctr10                                                        0.042
## Datesenttocompany.month.fctr11                                                       -0.110
## Datesenttocompany.month.fctr12                                                        0.010
## Datesenttocompany.wkday.fctr1                                                         0.081
## Datesenttocompany.wkday.fctr2                                                         0.022
## Datesenttocompany.wkday.fctr3                                                         0.004
## Datesenttocompany.wkday.fctr4                                                         0.073
## Datesenttocompany.wkday.fctr5                                                         0.097
## Datesenttocompany.wkday.fctr6                                                         0.175
## Datesenttocompany.wkend                                                              -0.282
## Datesenttocompany.year.fctr2015                                                       0.217
## Datesenttocompany.year.fctr2016                                                       0.350
## Response.fctrClosed                                                                  -0.322
## Response.fctrClosedwithmonetaryrelief                                                -6.241
## `Response.fctrClosedwithnon-monetaryrelief`                                          -4.115
## Response.fctrInprogress                                                               0.000
## Response.fctrUntimelyresponse                                                         0.000
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                    -1.383
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                    -0.988
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                        -0.036
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                         -0.401
## `Rgn.Dvn.fctrOT#Other`                                                               -0.246
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                    -1.167
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                     0.164
## `Rgn.Dvn.fctrWT#Mountain`                                                             0.612
## `Rgn.Dvn.fctrWT#Pacific`                                                              0.824
## Sent.Recd.Dys                                                                        -0.346
## Sent.Recd.Dys.log1p                                                                  -0.093
## Sent.Recd.Dys.nexp                                                                    0.206
## Sent.Recd.Dys.root2                                                                   0.106
## gCConsent.fctrConsentnotprovided                                                     -1.722
## gCConsent.fctrConsentprovided                                                        -2.381
## gCConsent.fctrOther                                                                  -0.531
## gCompany.fctrAmex                                                                     2.645
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                             1.205
## gCompany.fctrCitibank                                                                 0.627
## gCompany.fctrComerica                                                                 0.467
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                      -1.854
## gCompany.fctrOther                                                                    0.204
## `gCompany.fctrPayPalHoldings,Inc.`                                                    0.627
## gCompany.fctrU.S.Bancorp                                                              0.064
## gSPrd.fctrVehicleloan                                                                 0.000
## gSPrd.fctrCheckingaccount                                                             0.000
## gSPrd.fctrConventionalfixedmortgage                                                   0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                          0.000
## gSPrd.fctrIdonotknow                                                                  0.000
## gSPrd.fctr                                                                            0.000
## gSPrd.fctrOthermortgage                                                               0.000
## gSPrd.fctrCreditcard                                                                  0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                       0.000
## `gSPrd.fctrOtherbankproduct/service`                                                  0.000
## `gSPrd.fctrNon-federalstudentloan`                                                    0.000
## gSPrd.fctrFHAmortgage                                                                 0.000
## `gSPrd.fctr(CD)Certificateofdeposit`                                                  0.000
## gSPrd.fctrHomeequityloanorlineofcredit                                                0.000
## gSPrd.fctrVehiclelease                                                                0.000
## gSPrd.fctrSavingsaccount                                                              0.000
## gSPrd.fctrFederalstudentloan                                                          0.000
## gSPrd.fctrMortgage                                                                    0.000
## gSPrd.fctrReversemortgage                                                             0.000
## gSPrd.fctrAuto                                                                        0.000
## gSPrd.fctrInstallmentloan                                                             0.000
## gSPrd.fctrMedical                                                                     0.000
## gSPrd.fctrVAmortgage                                                                  0.000
## `gSPrd.fctrDomestic(US)moneytransfer`                                                 0.000
## gSPrd.fctrInternationalmoneytransfer                                                  0.000
## gSPrd.fctrPersonallineofcredit                                                        0.000
## gSPrd.fctrSecondmortgage                                                              0.000
## gSPrd.fctrCashingacheckwithoutanaccount                                               0.000
## gSPrd.fctrPaydayloan                                                                  0.000
## gSPrd.fctrCheckcashing                                                                0.000
## gSPrd.fctrMobilewallet                                                                0.521
## gSPrd.fctrGovernmentbenefitpaymentcard                                                0.147
## gSPrd.fctrGiftormerchantcard                                                          0.660
## gSPrd.fctrGeneralpurposecard                                                          0.023
## gSPrd.fctrTitleloan                                                                   0.000
## gSPrd.fctrForeigncurrencyexchange                                                     0.000
## gSPrd.fctrRefundanticipationcheck                                                     0.000
## gSPrd.fctrDebtsettlement                                                              0.000
## gSPrd.fctrPayrollcard                                                                -1.147
## gSPrd.fctrIDprepaidcard                                                              -0.297
## gSPrd.fctrCreditrepair                                                                0.000
## gSPrd.fctrPawnloan                                                                    0.000
## gSPrd.fctrMoneyorder                                                                  0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                    0.000
## gSPrd.fctrFederalstudentloanservicing                                                 0.000
## gTags.fctrOlderAmerican                                                               1.192
## gTags.fctrOlderAmericanServicemember                                                 -0.122
## gTags.fctrServicemember                                                               3.037
## `gSPrd.fctrOther:.clusterid.fctr2`                                                    1.181
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                              0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                          0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                         0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                               0.000
## `gSPrd.fctr:.clusterid.fctr2`                                                         0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                            0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                               0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                      0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                   0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                              0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                             0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                             0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                           0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                       0.000
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                          0.000
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                     0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                          0.000
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                  0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                               0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                               0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                     0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                           0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                            0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                               0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                             0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                            -0.056
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                             0.165
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                      -0.012
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                       0.394
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                  0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                  0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                           0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                              1.357
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                           -0.329
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                             0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                               0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`   0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                              0.000
## `gSPrd.fctrOther:.clusterid.fctr3`                                                   -0.052
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                              0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                          0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                         0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                               0.000
## `gSPrd.fctr:.clusterid.fctr3`                                                         0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                            0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                               0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                      0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                   0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                              0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                             0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                             0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                           0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                       0.000
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                          0.000
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                     0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                          0.000
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                  0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                               0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                               0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                     0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                           0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                            0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                               0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                             0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                             0.939
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                             0.000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                       0.394
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                      -0.402
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                  0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                  0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                           0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                              0.000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                            0.013
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                             0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                               0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`   0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                              0.000
## `gSPrd.fctrOther:.clusterid.fctr4`                                                   -0.894
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                              0.000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                          0.000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                0.000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                         0.000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                               0.000
## `gSPrd.fctr:.clusterid.fctr4`                                                         0.000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                            0.000
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                               0.000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                      0.000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                 0.000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                   0.000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                              0.000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                 0.000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                             0.000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                             0.000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                           0.000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                       0.000
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                 0.000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                          0.000
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                     0.000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                          0.000
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                  0.000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                               0.000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                0.000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                               0.000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                     0.000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                           0.000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                            0.000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                               0.000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                             0.000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                             0.000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                             0.000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                       0.000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                       0.000
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                0.000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                  0.000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                  0.000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                           0.000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                              0.000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                            0.000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                             0.000
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                 0.000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                               0.000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`   0.000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                              0.000
##                                                                                     Pr(>|z|)
## (Intercept)                                                                         0.155496
## .clusterid                                                                          0.692967
## Channel.fctrFax                                                                     0.113550
## Channel.fctrPhone                                                                   9.48e-05
## Channel.fctrPostalmail                                                              0.060015
## Channel.fctrReferral                                                                0.000169
## `Datereceived.date.fctr(7,13]`                                                      0.965291
## `Datereceived.date.fctr(13,19]`                                                     0.994699
## `Datereceived.date.fctr(19,25]`                                                     0.988124
## `Datereceived.date.fctr(25,31]`                                                     0.978841
## Datereceived.juliandate                                                             0.904567
## Datereceived.last16.log1p                                                           0.935559
## Datereceived.last2.log1p                                                            0.837486
## Datereceived.last32.log1p                                                           0.979562
## Datereceived.last4.log1p                                                            0.998011
## Datereceived.last8.log1p                                                            0.870979
## Datereceived.month.fctr02                                                           0.930077
## Datereceived.month.fctr03                                                           0.856901
## Datereceived.month.fctr04                                                           0.948991
## Datereceived.month.fctr05                                                           0.900315
## Datereceived.month.fctr06                                                           0.787656
## Datereceived.month.fctr07                                                           0.865403
## Datereceived.month.fctr08                                                           0.940131
## Datereceived.month.fctr09                                                           0.944186
## Datereceived.month.fctr10                                                           0.966891
## Datereceived.month.fctr11                                                           0.912389
## Datereceived.month.fctr12                                                           0.991742
## Datereceived.wkday.fctr1                                                            0.935362
## Datereceived.wkday.fctr2                                                            0.982159
## Datereceived.wkday.fctr3                                                            0.996580
## Datereceived.wkday.fctr4                                                            0.941832
## Datereceived.wkday.fctr5                                                            0.922593
## Datereceived.wkday.fctr6                                                            0.861311
## Datereceived.wkend                                                                  0.777857
## Datereceived.year.fctr2015                                                          0.827838
## Datereceived.year.fctr2016                                                          0.726052
## `Datesenttocompany.date.fctr(7,13]`                                                 0.965291
## `Datesenttocompany.date.fctr(13,19]`                                                0.994699
## `Datesenttocompany.date.fctr(19,25]`                                                0.988124
## `Datesenttocompany.date.fctr(25,31]`                                                0.978841
## Datesenttocompany.juliandate                                                        0.904567
## Datesenttocompany.last16.log1p                                                      0.935559
## Datesenttocompany.last2.log1p                                                       0.837486
## Datesenttocompany.last32.log1p                                                      0.979562
## Datesenttocompany.last4.log1p                                                       0.998011
## Datesenttocompany.last8.log1p                                                       0.870979
## Datesenttocompany.month.fctr02                                                      0.930077
## Datesenttocompany.month.fctr03                                                      0.856901
## Datesenttocompany.month.fctr04                                                      0.948991
## Datesenttocompany.month.fctr05                                                      0.900315
## Datesenttocompany.month.fctr06                                                      0.787656
## Datesenttocompany.month.fctr07                                                      0.865403
## Datesenttocompany.month.fctr08                                                      0.940131
## Datesenttocompany.month.fctr09                                                      0.944186
## Datesenttocompany.month.fctr10                                                      0.966891
## Datesenttocompany.month.fctr11                                                      0.912389
## Datesenttocompany.month.fctr12                                                      0.991742
## Datesenttocompany.wkday.fctr1                                                       0.935362
## Datesenttocompany.wkday.fctr2                                                       0.982159
## Datesenttocompany.wkday.fctr3                                                       0.996580
## Datesenttocompany.wkday.fctr4                                                       0.941832
## Datesenttocompany.wkday.fctr5                                                       0.922593
## Datesenttocompany.wkday.fctr6                                                       0.861311
## Datesenttocompany.wkend                                                             0.777857
## Datesenttocompany.year.fctr2015                                                     0.827838
## Datesenttocompany.year.fctr2016                                                     0.726052
## Response.fctrClosed                                                                 0.747308
## Response.fctrClosedwithmonetaryrelief                                               4.34e-10
## `Response.fctrClosedwithnon-monetaryrelief`                                         3.87e-05
## Response.fctrInprogress                                                             1.000000
## Response.fctrUntimelyresponse                                                       1.000000
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                   0.166552
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                   0.323380
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                       0.971243
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                        0.688718
## `Rgn.Dvn.fctrOT#Other`                                                              0.805806
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                   0.243219
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                   0.869903
## `Rgn.Dvn.fctrWT#Mountain`                                                           0.540864
## `Rgn.Dvn.fctrWT#Pacific`                                                            0.410076
## Sent.Recd.Dys                                                                       0.729281
## Sent.Recd.Dys.log1p                                                                 0.925657
## Sent.Recd.Dys.nexp                                                                  0.836435
## Sent.Recd.Dys.root2                                                                 0.915866
## gCConsent.fctrConsentnotprovided                                                    0.085142
## gCConsent.fctrConsentprovided                                                       0.017257
## gCConsent.fctrOther                                                                 0.595461
## gCompany.fctrAmex                                                                   0.008161
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                           0.228396
## gCompany.fctrCitibank                                                               0.530765
## gCompany.fctrComerica                                                               0.640425
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     0.063730
## gCompany.fctrOther                                                                  0.838057
## `gCompany.fctrPayPalHoldings,Inc.`                                                  0.530337
## gCompany.fctrU.S.Bancorp                                                            0.949204
## gSPrd.fctrVehicleloan                                                               1.000000
## gSPrd.fctrCheckingaccount                                                           1.000000
## gSPrd.fctrConventionalfixedmortgage                                                 1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                        1.000000
## gSPrd.fctrIdonotknow                                                                1.000000
## gSPrd.fctr                                                                          1.000000
## gSPrd.fctrOthermortgage                                                             1.000000
## gSPrd.fctrCreditcard                                                                1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                     1.000000
## `gSPrd.fctrOtherbankproduct/service`                                                1.000000
## `gSPrd.fctrNon-federalstudentloan`                                                  1.000000
## gSPrd.fctrFHAmortgage                                                               1.000000
## `gSPrd.fctr(CD)Certificateofdeposit`                                                1.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                              1.000000
## gSPrd.fctrVehiclelease                                                              1.000000
## gSPrd.fctrSavingsaccount                                                            1.000000
## gSPrd.fctrFederalstudentloan                                                        1.000000
## gSPrd.fctrMortgage                                                                  1.000000
## gSPrd.fctrReversemortgage                                                           1.000000
## gSPrd.fctrAuto                                                                      1.000000
## gSPrd.fctrInstallmentloan                                                           1.000000
## gSPrd.fctrMedical                                                                   1.000000
## gSPrd.fctrVAmortgage                                                                1.000000
## `gSPrd.fctrDomestic(US)moneytransfer`                                               1.000000
## gSPrd.fctrInternationalmoneytransfer                                                1.000000
## gSPrd.fctrPersonallineofcredit                                                      1.000000
## gSPrd.fctrSecondmortgage                                                            1.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                             1.000000
## gSPrd.fctrPaydayloan                                                                1.000000
## gSPrd.fctrCheckcashing                                                              1.000000
## gSPrd.fctrMobilewallet                                                              0.602070
## gSPrd.fctrGovernmentbenefitpaymentcard                                              0.883197
## gSPrd.fctrGiftormerchantcard                                                        0.509539
## gSPrd.fctrGeneralpurposecard                                                        0.981793
## gSPrd.fctrTitleloan                                                                 1.000000
## gSPrd.fctrForeigncurrencyexchange                                                   1.000000
## gSPrd.fctrRefundanticipationcheck                                                   1.000000
## gSPrd.fctrDebtsettlement                                                            1.000000
## gSPrd.fctrPayrollcard                                                               0.251198
## gSPrd.fctrIDprepaidcard                                                             0.766327
## gSPrd.fctrCreditrepair                                                              1.000000
## gSPrd.fctrPawnloan                                                                  1.000000
## gSPrd.fctrMoneyorder                                                                1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                  1.000000
## gSPrd.fctrFederalstudentloanservicing                                               1.000000
## gTags.fctrOlderAmerican                                                             0.233075
## gTags.fctrOlderAmericanServicemember                                                0.903122
## gTags.fctrServicemember                                                             0.002391
## `gSPrd.fctrOther:.clusterid.fctr2`                                                  0.237471
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                            1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                        1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                              1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                       1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                             1.000000
## `gSPrd.fctr:.clusterid.fctr2`                                                       1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                          1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                             1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                    1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                               1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                            1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                               1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                           1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                           1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                         1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                     1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                               1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                        1.000000
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                   1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                        1.000000
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                             1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                              1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                             1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                   1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                         1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                          1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                             1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                           1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                           0.955366
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                           0.868715
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                     0.990821
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                     0.693569
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                              1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                         1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                            0.174747
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                          0.742003
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                           1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                               1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                             1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                            1.000000
## `gSPrd.fctrOther:.clusterid.fctr3`                                                  0.958898
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                            1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                        1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                              1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                       1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                             1.000000
## `gSPrd.fctr:.clusterid.fctr3`                                                       1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                          1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                             1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                    1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                               1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                            1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                               1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                           1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                           1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                         1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                     1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                               1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                        1.000000
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                   1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                        1.000000
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                             1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                              1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                             1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                   1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                         1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                          1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                             1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                           1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                           0.347907
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                           1.000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                     0.693764
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                     0.687397
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                              1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                         1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                            1.000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                          0.989448
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                           1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                               1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                             1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                            1.000000
## `gSPrd.fctrOther:.clusterid.fctr4`                                                  0.371377
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                            1.000000
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                        1.000000
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                              1.000000
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                       1.000000
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                             1.000000
## `gSPrd.fctr:.clusterid.fctr4`                                                       1.000000
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                          1.000000
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                             1.000000
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                    1.000000
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                               1.000000
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                 1.000000
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                            1.000000
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                               1.000000
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                           1.000000
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                           1.000000
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                         1.000000
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                     1.000000
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                               1.000000
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                        1.000000
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                   1.000000
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                        1.000000
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                1.000000
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                             1.000000
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                              1.000000
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                             1.000000
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                   1.000000
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                         1.000000
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                          1.000000
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                             1.000000
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                           1.000000
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                           1.000000
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                           1.000000
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                     1.000000
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                     1.000000
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                              1.000000
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                1.000000
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                1.000000
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                         1.000000
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                            1.000000
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                          1.000000
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                           1.000000
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                               1.000000
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                             1.000000
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4` 1.000000
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                            1.000000
##                                                                                        
## (Intercept)                                                                            
## .clusterid                                                                             
## Channel.fctrFax                                                                        
## Channel.fctrPhone                                                                   ***
## Channel.fctrPostalmail                                                              .  
## Channel.fctrReferral                                                                ***
## `Datereceived.date.fctr(7,13]`                                                         
## `Datereceived.date.fctr(13,19]`                                                        
## `Datereceived.date.fctr(19,25]`                                                        
## `Datereceived.date.fctr(25,31]`                                                        
## Datereceived.juliandate                                                                
## Datereceived.last16.log1p                                                              
## Datereceived.last2.log1p                                                               
## Datereceived.last32.log1p                                                              
## Datereceived.last4.log1p                                                               
## Datereceived.last8.log1p                                                               
## Datereceived.month.fctr02                                                              
## Datereceived.month.fctr03                                                              
## Datereceived.month.fctr04                                                              
## Datereceived.month.fctr05                                                              
## Datereceived.month.fctr06                                                              
## Datereceived.month.fctr07                                                              
## Datereceived.month.fctr08                                                              
## Datereceived.month.fctr09                                                              
## Datereceived.month.fctr10                                                              
## Datereceived.month.fctr11                                                              
## Datereceived.month.fctr12                                                              
## Datereceived.wkday.fctr1                                                               
## Datereceived.wkday.fctr2                                                               
## Datereceived.wkday.fctr3                                                               
## Datereceived.wkday.fctr4                                                               
## Datereceived.wkday.fctr5                                                               
## Datereceived.wkday.fctr6                                                               
## Datereceived.wkend                                                                     
## Datereceived.year.fctr2015                                                             
## Datereceived.year.fctr2016                                                             
## `Datesenttocompany.date.fctr(7,13]`                                                    
## `Datesenttocompany.date.fctr(13,19]`                                                   
## `Datesenttocompany.date.fctr(19,25]`                                                   
## `Datesenttocompany.date.fctr(25,31]`                                                   
## Datesenttocompany.juliandate                                                           
## Datesenttocompany.last16.log1p                                                         
## Datesenttocompany.last2.log1p                                                          
## Datesenttocompany.last32.log1p                                                         
## Datesenttocompany.last4.log1p                                                          
## Datesenttocompany.last8.log1p                                                          
## Datesenttocompany.month.fctr02                                                         
## Datesenttocompany.month.fctr03                                                         
## Datesenttocompany.month.fctr04                                                         
## Datesenttocompany.month.fctr05                                                         
## Datesenttocompany.month.fctr06                                                         
## Datesenttocompany.month.fctr07                                                         
## Datesenttocompany.month.fctr08                                                         
## Datesenttocompany.month.fctr09                                                         
## Datesenttocompany.month.fctr10                                                         
## Datesenttocompany.month.fctr11                                                         
## Datesenttocompany.month.fctr12                                                         
## Datesenttocompany.wkday.fctr1                                                          
## Datesenttocompany.wkday.fctr2                                                          
## Datesenttocompany.wkday.fctr3                                                          
## Datesenttocompany.wkday.fctr4                                                          
## Datesenttocompany.wkday.fctr5                                                          
## Datesenttocompany.wkday.fctr6                                                          
## Datesenttocompany.wkend                                                                
## Datesenttocompany.year.fctr2015                                                        
## Datesenttocompany.year.fctr2016                                                        
## Response.fctrClosed                                                                    
## Response.fctrClosedwithmonetaryrelief                                               ***
## `Response.fctrClosedwithnon-monetaryrelief`                                         ***
## Response.fctrInprogress                                                                
## Response.fctrUntimelyresponse                                                          
## `Rgn.Dvn.fctrMW#EastNorthCentral`                                                      
## `Rgn.Dvn.fctrMW#WestNorthCentral`                                                      
## `Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic`                                          
## `Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland`                                           
## `Rgn.Dvn.fctrOT#Other`                                                                 
## `Rgn.Dvn.fctrSH#EastSouthCentral`                                                      
## `Rgn.Dvn.fctrSH#WestSouthCentral`                                                      
## `Rgn.Dvn.fctrWT#Mountain`                                                              
## `Rgn.Dvn.fctrWT#Pacific`                                                               
## Sent.Recd.Dys                                                                          
## Sent.Recd.Dys.log1p                                                                    
## Sent.Recd.Dys.nexp                                                                     
## Sent.Recd.Dys.root2                                                                    
## gCConsent.fctrConsentnotprovided                                                    .  
## gCConsent.fctrConsentprovided                                                       *  
## gCConsent.fctrOther                                                                    
## gCompany.fctrAmex                                                                   ** 
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                              
## gCompany.fctrCitibank                                                                  
## gCompany.fctrComerica                                                                  
## `gCompany.fctrNetSpendCorporation,aTSYSCompany`                                     .  
## gCompany.fctrOther                                                                     
## `gCompany.fctrPayPalHoldings,Inc.`                                                     
## gCompany.fctrU.S.Bancorp                                                               
## gSPrd.fctrVehicleloan                                                                  
## gSPrd.fctrCheckingaccount                                                              
## gSPrd.fctrConventionalfixedmortgage                                                    
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.)`                                           
## gSPrd.fctrIdonotknow                                                                   
## gSPrd.fctr                                                                             
## gSPrd.fctrOthermortgage                                                                
## gSPrd.fctrCreditcard                                                                   
## `gSPrd.fctrConventionaladjustablemortgage(ARM)`                                        
## `gSPrd.fctrOtherbankproduct/service`                                                   
## `gSPrd.fctrNon-federalstudentloan`                                                     
## gSPrd.fctrFHAmortgage                                                                  
## `gSPrd.fctr(CD)Certificateofdeposit`                                                   
## gSPrd.fctrHomeequityloanorlineofcredit                                                 
## gSPrd.fctrVehiclelease                                                                 
## gSPrd.fctrSavingsaccount                                                               
## gSPrd.fctrFederalstudentloan                                                           
## gSPrd.fctrMortgage                                                                     
## gSPrd.fctrReversemortgage                                                              
## gSPrd.fctrAuto                                                                         
## gSPrd.fctrInstallmentloan                                                              
## gSPrd.fctrMedical                                                                      
## gSPrd.fctrVAmortgage                                                                   
## `gSPrd.fctrDomestic(US)moneytransfer`                                                  
## gSPrd.fctrInternationalmoneytransfer                                                   
## gSPrd.fctrPersonallineofcredit                                                         
## gSPrd.fctrSecondmortgage                                                               
## gSPrd.fctrCashingacheckwithoutanaccount                                                
## gSPrd.fctrPaydayloan                                                                   
## gSPrd.fctrCheckcashing                                                                 
## gSPrd.fctrMobilewallet                                                                 
## gSPrd.fctrGovernmentbenefitpaymentcard                                                 
## gSPrd.fctrGiftormerchantcard                                                           
## gSPrd.fctrGeneralpurposecard                                                           
## gSPrd.fctrTitleloan                                                                    
## gSPrd.fctrForeigncurrencyexchange                                                      
## gSPrd.fctrRefundanticipationcheck                                                      
## gSPrd.fctrDebtsettlement                                                               
## gSPrd.fctrPayrollcard                                                                  
## gSPrd.fctrIDprepaidcard                                                                
## gSPrd.fctrCreditrepair                                                                 
## gSPrd.fctrPawnloan                                                                     
## gSPrd.fctrMoneyorder                                                                   
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks`                     
## gSPrd.fctrFederalstudentloanservicing                                                  
## gTags.fctrOlderAmerican                                                                
## gTags.fctrOlderAmericanServicemember                                                   
## gTags.fctrServicemember                                                             ** 
## `gSPrd.fctrOther:.clusterid.fctr2`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr2`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr2`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr2`                                                
## `gSPrd.fctr:.clusterid.fctr2`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr2`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr2`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr2`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr2`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr2`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr2`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr2`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr2`                                           
## `gSPrd.fctrAuto:.clusterid.fctr2`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr2`                                           
## `gSPrd.fctrMedical:.clusterid.fctr2`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr2`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr2`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr2`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr2`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr2`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr2`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr2`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr2`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr2`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr2`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr2`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr2`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr2`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr2`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr2`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr2`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2`                               
## `gSPrd.fctrOther:.clusterid.fctr3`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr3`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr3`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr3`                                                
## `gSPrd.fctr:.clusterid.fctr3`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr3`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr3`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr3`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr3`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr3`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr3`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr3`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr3`                                           
## `gSPrd.fctrAuto:.clusterid.fctr3`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr3`                                           
## `gSPrd.fctrMedical:.clusterid.fctr3`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr3`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr3`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr3`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr3`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr3`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr3`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr3`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr3`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr3`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr3`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr3`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr3`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr3`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr3`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr3`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr3`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3`                               
## `gSPrd.fctrOther:.clusterid.fctr4`                                                     
## `gSPrd.fctrVehicleloan:.clusterid.fctr4`                                               
## `gSPrd.fctrCheckingaccount:.clusterid.fctr4`                                           
## `gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4`                                 
## `gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4`                          
## `gSPrd.fctrIdonotknow:.clusterid.fctr4`                                                
## `gSPrd.fctr:.clusterid.fctr4`                                                          
## `gSPrd.fctrOthermortgage:.clusterid.fctr4`                                             
## `gSPrd.fctrCreditcard:.clusterid.fctr4`                                                
## `gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4`                       
## `gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4`                                  
## `gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4`                                    
## `gSPrd.fctrFHAmortgage:.clusterid.fctr4`                                               
## `gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4`                                  
## `gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4`                              
## `gSPrd.fctrVehiclelease:.clusterid.fctr4`                                              
## `gSPrd.fctrSavingsaccount:.clusterid.fctr4`                                            
## `gSPrd.fctrFederalstudentloan:.clusterid.fctr4`                                        
## `gSPrd.fctrMortgage:.clusterid.fctr4`                                                  
## `gSPrd.fctrReversemortgage:.clusterid.fctr4`                                           
## `gSPrd.fctrAuto:.clusterid.fctr4`                                                      
## `gSPrd.fctrInstallmentloan:.clusterid.fctr4`                                           
## `gSPrd.fctrMedical:.clusterid.fctr4`                                                   
## `gSPrd.fctrVAmortgage:.clusterid.fctr4`                                                
## `gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4`                                 
## `gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4`                                
## `gSPrd.fctrPersonallineofcredit:.clusterid.fctr4`                                      
## `gSPrd.fctrSecondmortgage:.clusterid.fctr4`                                            
## `gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4`                             
## `gSPrd.fctrPaydayloan:.clusterid.fctr4`                                                
## `gSPrd.fctrCheckcashing:.clusterid.fctr4`                                              
## `gSPrd.fctrMobilewallet:.clusterid.fctr4`                                              
## `gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4`                              
## `gSPrd.fctrGiftormerchantcard:.clusterid.fctr4`                                        
## `gSPrd.fctrGeneralpurposecard:.clusterid.fctr4`                                        
## `gSPrd.fctrTitleloan:.clusterid.fctr4`                                                 
## `gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4`                                   
## `gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4`                                   
## `gSPrd.fctrDebtsettlement:.clusterid.fctr4`                                            
## `gSPrd.fctrPayrollcard:.clusterid.fctr4`                                               
## `gSPrd.fctrIDprepaidcard:.clusterid.fctr4`                                             
## `gSPrd.fctrCreditrepair:.clusterid.fctr4`                                              
## `gSPrd.fctrPawnloan:.clusterid.fctr4`                                                  
## `gSPrd.fctrMoneyorder:.clusterid.fctr4`                                                
## `gSPrd.fctrTraveler\\342\\200\\231s/Cashier\\342\\200\\231schecks:.clusterid.fctr4`    
## `gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4`                               
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## (Dispersion parameter for binomial family taken to be 1)
## 
##     Null deviance: 1545.1  on 1342  degrees of freedom
## Residual deviance: 1251.8  on 1062  degrees of freedom
## AIC: 1813.8
## 
## Number of Fisher Scoring iterations: 16
## 
## [1] "myfit_mdl: train diagnostics complete: 19.349000 secs"

##          Prediction
## Reference   N   Y
##         N 653 338
##         Y  90 262
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.813105e-01   3.286067e-01   6.556406e-01   7.061844e-01   7.379002e-01 
## AccuracyPValue  McnemarPValue 
##   9.999984e-01   7.393471e-33

##          Prediction
## Reference   N   Y
##         N 948 493
##         Y  22  63
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   6.625164e-01   1.106280e-01   6.381690e-01   6.862367e-01   9.442988e-01 
## AccuracyPValue  McnemarPValue 
##   1.000000e+00   2.775431e-95 
## [1] "myfit_mdl: predict complete: 26.089000 secs"
##                    id
## 1 All.X##rcv#bayesglm
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               1                     18.642                 2.092
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.6416025    0.9394551      0.34375       0.7852376
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                   0.25       0.5504202        0.7346774
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.6556406             0.7061844      0.207454
##   min.log.loss.mean.fit max.AUCpROC.OOB max.Sens.OOB max.Spec.OOB
## 1             0.4660415       0.6116177    0.8938237    0.3294118
##   max.AUCROCR.OOB opt.prob.threshold.OOB max.f.score.OOB max.Accuracy.OOB
## 1       0.7226068                   0.25       0.1965679        0.6625164
##   max.AccuracyLower.OOB max.AccuracyUpper.OOB max.Kappa.OOB
## 1              0.638169             0.6862367      0.110628
##   min.log.loss.mean.OOB max.AccuracySD.fit max.KappaSD.fit
## 1             0.3419022         0.02470904      0.07246381
## [1] "myfit_mdl: exit: 26.524000 secs"
##                  label step_major step_minor label_minor     bgn     end
## 7   fit.models_1_All.X          1          6    bayesglm 236.474 263.035
## 8 fit.models_1_preProc          1          7     preProc 263.036      NA
##   elapsed
## 7  26.562
## 8      NA
## Loading required package: gdata
## gdata: read.xls support for 'XLS' (Excel 97-2004) files ENABLED.
## 
## gdata: read.xls support for 'XLSX' (Excel 2007+) files ENABLED.
## 
## Attaching package: 'gdata'
## The following object is masked from 'package:randomForest':
## 
##     combine
## The following object is masked from 'package:mlr':
## 
##     resample
## The following objects are masked from 'package:dplyr':
## 
##     combine, first, last
## The following object is masked from 'package:stats':
## 
##     nobs
## The following object is masked from 'package:utils':
## 
##     object.size
## The following object is masked from 'package:base':
## 
##     startsWith
##                                max.Accuracy.OOB max.AUCROCR.OOB
## MFO###myMFO_classfr                   0.9442988       0.5000000
## Max.cor.Y##rcv#rpart                  0.9442988       0.5000000
## All.X##rcv#gbm                        0.7103539       0.7077030
## Random###myrandom_classfr             0.7038008       0.5110422
## Low.cor.X##rcv#glmnet                 0.7011796       0.7259379
## All.X##rcv#bayesglm                   0.6625164       0.7226068
## All.X##rcv#glm                        0.6467890       0.7239744
## Max.cor.Y.Time.Lag##rcv#glmnet        0.6310616       0.6912112
## All.X##rcv#glmnet                     0.6028834       0.7250398
## Max.cor.Y.rcv.1X1###glmnet            0.5688073       0.6828591
##                                max.AUCpROC.OOB min.elapsedtime.everything
## MFO###myMFO_classfr                  0.5000000                      0.244
## Max.cor.Y##rcv#rpart                 0.5000000                      1.261
## All.X##rcv#gbm                       0.5656652                     87.690
## Random###myrandom_classfr            0.4916929                      0.171
## Low.cor.X##rcv#glmnet                0.5926644                      8.038
## All.X##rcv#bayesglm                  0.6116177                     18.642
## All.X##rcv#glm                       0.6230191                     28.982
## Max.cor.Y.Time.Lag##rcv#glmnet       0.5000000                      2.699
## All.X##rcv#glmnet                    0.5895416                     11.569
## Max.cor.Y.rcv.1X1###glmnet           0.5000000                      0.551
##                                max.Accuracy.fit
## MFO###myMFO_classfr                   0.7379002
## Max.cor.Y##rcv#rpart                  0.7297093
## All.X##rcv#gbm                        0.7533073
## Random###myrandom_classfr             0.6284438
## Low.cor.X##rcv#glmnet                 0.7547889
## All.X##rcv#bayesglm                   0.7346774
## All.X##rcv#glm                        0.7329529
## Max.cor.Y.Time.Lag##rcv#glmnet        0.7379029
## All.X##rcv#glmnet                     0.7552798
## Max.cor.Y.rcv.1X1###glmnet            0.6113179
##                  label step_major step_minor label_minor     bgn     end
## 8 fit.models_1_preProc          1          7     preProc 263.036 264.824
## 9     fit.models_1_end          1          8    teardown 264.824      NA
##   elapsed
## 8   1.788
## 9      NA
##        label step_major step_minor label_minor     bgn    end elapsed
## 3 fit.models          2          1           1  60.687 264.83 204.143
## 4 fit.models          2          2           2 264.831     NA      NA
##              label step_major step_minor label_minor     bgn end elapsed
## 1 fit.models_2_bgn          1          0       setup 346.419  NA      NA
## Warning: max.AccuracyUpper.fit already exists in glb_models_df
## [1] "var:max.KappaSD.fit"
## Loading required package: RColorBrewer
## Warning: Removed 7 rows containing missing values (geom_errorbar).
## quartz_off_screen 
##                 2
## Warning: Removed 7 rows containing missing values (geom_errorbar).

##                                id max.Accuracy.OOB max.AUCROCR.OOB
## 1             MFO###myMFO_classfr        0.9442988       0.5000000
## 4            Max.cor.Y##rcv#rpart        0.9442988       0.5000000
## 7                  All.X##rcv#gbm        0.7103539       0.7077030
## 2       Random###myrandom_classfr        0.7038008       0.5110422
## 6           Low.cor.X##rcv#glmnet        0.7011796       0.7259379
## 11            All.X##rcv#bayesglm        0.6625164       0.7226068
## 10                 All.X##rcv#glm        0.6467890       0.7239744
## 5  Max.cor.Y.Time.Lag##rcv#glmnet        0.6310616       0.6912112
## 9               All.X##rcv#glmnet        0.6028834       0.7250398
## 3      Max.cor.Y.rcv.1X1###glmnet        0.5688073       0.6828591
## 8                   All.X##rcv#rf        0.5543906       0.7074458
##    max.AUCpROC.OOB min.elapsedtime.everything max.Accuracy.fit
## 1        0.5000000                      0.244        0.7379002
## 4        0.5000000                      1.261        0.7297093
## 7        0.5656652                     87.690        0.7533073
## 2        0.4916929                      0.171        0.6284438
## 6        0.5926644                      8.038        0.7547889
## 11       0.6116177                     18.642        0.7346774
## 10       0.6230191                     28.982        0.7329529
## 5        0.5000000                      2.699        0.7379029
## 9        0.5895416                     11.569        0.7552798
## 3        0.5000000                      0.551        0.6113179
## 8        0.5715312                     14.064        0.9992554
##    opt.prob.threshold.fit opt.prob.threshold.OOB
## 1                    0.50                   0.50
## 4                    0.50                   0.50
## 7                    0.25                   0.30
## 2                    0.50                   0.50
## 6                    0.30                   0.30
## 11                   0.25                   0.25
## 10                   0.30                   0.25
## 5                    0.25                   0.30
## 9                    0.30                   0.25
## 3                    0.25                   0.35
## 8                    0.45                   0.25
## [1] "Metrics used for model selection:"
## ~-max.Accuracy.OOB - max.AUCROCR.OOB - max.AUCpROC.OOB + min.elapsedtime.everything - 
##     max.Accuracy.fit - opt.prob.threshold.OOB
## <environment: 0x7fff03e12bf0>
## [1] "Best model id: MFO###myMFO_classfr"
## [1] "User specified selection: All.X##rcv#gbm"

##                                                                                                                                                     var
## Datereceived.juliandate                                                                                                         Datereceived.juliandate
## Datereceived.last32.log1p                                                                                                     Datereceived.last32.log1p
## .rnorm                                                                                                                                           .rnorm
## Response.fctrClosedwithmonetaryrelief                                                                             Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex                                                                                                                     gCompany.fctrAmex
## Datereceived.last16.log1p                                                                                                     Datereceived.last16.log1p
## Datereceived.last2.log1p                                                                                                       Datereceived.last2.log1p
## Datereceived.last4.log1p                                                                                                       Datereceived.last4.log1p
## Sent.Recd.Dys                                                                                                                             Sent.Recd.Dys
## Datereceived.month.fctr07                                                                                                     Datereceived.month.fctr07
## Datereceived.year.fctr2016                                                                                                   Datereceived.year.fctr2016
## Datereceived.last8.log1p                                                                                                       Datereceived.last8.log1p
## Sent.Recd.Dys.nexp                                                                                                                   Sent.Recd.Dys.nexp
## Datereceived.wkend                                                                                                                   Datereceived.wkend
## Channel.fctrPhone                                                                                                                     Channel.fctrPhone
## Response.fctrClosedwithnon-monetaryrelief                                                                     Response.fctrClosedwithnon-monetaryrelief
## gTags.fctrServicemember                                                                                                         gTags.fctrServicemember
## gCompany.fctrCitibank                                                                                                             gCompany.fctrCitibank
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                                             gCompany.fctrNetSpendCorporation,aTSYSCompany
## Rgn.Dvn.fctrWT#Pacific                                                                                                           Rgn.Dvn.fctrWT#Pacific
## Datereceived.month.fctr06                                                                                                     Datereceived.month.fctr06
## Datereceived.month.fctr09                                                                                                     Datereceived.month.fctr09
## gSPrd.fctrMobilewallet                                                                                                           gSPrd.fctrMobilewallet
## Channel.fctrReferral                                                                                                               Channel.fctrReferral
## Datereceived.month.fctr05                                                                                                     Datereceived.month.fctr05
## Rgn.Dvn.fctrMW#EastNorthCentral                                                                                         Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrPayrollcard                                                                                                             gSPrd.fctrPayrollcard
## gSPrd.fctrOther:.clusterid.fctr2                                                                                       gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## gSPrd.fctrGeneralpurposecard                                                                                               gSPrd.fctrGeneralpurposecard
## gCConsent.fctrConsentprovided                                                                                             gCConsent.fctrConsentprovided
## Datereceived.month.fctr08                                                                                                     Datereceived.month.fctr08
## gCompany.fctrOther                                                                                                                   gCompany.fctrOther
## Datereceived.year.fctr2015                                                                                                   Datereceived.year.fctr2015
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                                                 Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## gCConsent.fctrOther                                                                                                                 gCConsent.fctrOther
## gSPrd.fctrGiftormerchantcard                                                                                               gSPrd.fctrGiftormerchantcard
## gCompany.fctrComerica                                                                                                             gCompany.fctrComerica
## Datereceived.wkday.fctr4                                                                                                       Datereceived.wkday.fctr4
## gSPrd.fctrIDprepaidcard                                                                                                         gSPrd.fctrIDprepaidcard
## Datereceived.month.fctr03                                                                                                     Datereceived.month.fctr03
## .clusterid                                                                                                                                   .clusterid
## Channel.fctrFax                                                                                                                         Channel.fctrFax
## Channel.fctrPostalmail                                                                                                           Channel.fctrPostalmail
## Datereceived.date.fctr(7,13]                                                                                               Datereceived.date.fctr(7,13]
## Datereceived.date.fctr(13,19]                                                                                             Datereceived.date.fctr(13,19]
## Datereceived.date.fctr(19,25]                                                                                             Datereceived.date.fctr(19,25]
## Datereceived.date.fctr(25,31]                                                                                             Datereceived.date.fctr(25,31]
## Datereceived.month.fctr02                                                                                                     Datereceived.month.fctr02
## Datereceived.month.fctr04                                                                                                     Datereceived.month.fctr04
## Datereceived.month.fctr10                                                                                                     Datereceived.month.fctr10
## Datereceived.month.fctr11                                                                                                     Datereceived.month.fctr11
## Datereceived.month.fctr12                                                                                                     Datereceived.month.fctr12
## Datereceived.wkday.fctr1                                                                                                       Datereceived.wkday.fctr1
## Datereceived.wkday.fctr2                                                                                                       Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3                                                                                                       Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5                                                                                                       Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6                                                                                                       Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13]                                                                                     Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19]                                                                                   Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25]                                                                                   Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31]                                                                                   Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate                                                                                               Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p                                                                                           Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p                                                                                             Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p                                                                                           Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p                                                                                             Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p                                                                                             Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02                                                                                           Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03                                                                                           Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04                                                                                           Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05                                                                                           Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06                                                                                           Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07                                                                                           Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08                                                                                           Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09                                                                                           Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10                                                                                           Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11                                                                                           Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12                                                                                           Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1                                                                                             Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2                                                                                             Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3                                                                                             Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4                                                                                             Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5                                                                                             Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6                                                                                             Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend                                                                                                         Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015                                                                                         Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016                                                                                         Datesenttocompany.year.fctr2016
## Response.fctrClosed                                                                                                                 Response.fctrClosed
## Response.fctrInprogress                                                                                                         Response.fctrInprogress
## Response.fctrUntimelyresponse                                                                                             Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral                                                                                         Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                                                   Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other                                                                                                               Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#EastSouthCentral                                                                                         Rgn.Dvn.fctrSH#EastSouthCentral
## Rgn.Dvn.fctrSH#WestSouthCentral                                                                                         Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain                                                                                                         Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p                                                                                                                 Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2                                                                                                                 Sent.Recd.Dys.root2
## gCConsent.fctrConsentnotprovided                                                                                       gCConsent.fctrConsentnotprovided
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                                                     gCompany.fctrBlackhawkNetworkHoldingsInc.
## gCompany.fctrPayPalHoldings,Inc.                                                                                       gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp                                                                                                       gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan                                                                                                             gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount                                                                                                     gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage                                                                                 gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                                                   gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow                                                                                                               gSPrd.fctrIdonotknow
## gSPrd.fctr                                                                                                                                   gSPrd.fctr
## gSPrd.fctrOthermortgage                                                                                                         gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard                                                                                                               gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                                             gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service                                                                                   gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan                                                                                       gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage                                                                                                             gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit                                                                                   gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit                                                                           gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease                                                                                                           gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount                                                                                                       gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan                                                                                               gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage                                                                                                                   gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage                                                                                                     gSPrd.fctrReversemortgage
## gSPrd.fctrAuto                                                                                                                           gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan                                                                                                     gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical                                                                                                                     gSPrd.fctrMedical
## gSPrd.fctrVAmortgage                                                                                                               gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer                                                                                 gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer                                                                               gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit                                                                                           gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage                                                                                                       gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount                                                                         gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan                                                                                                               gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing                                                                                                           gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard                                                                           gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan                                                                                                                 gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange                                                                                     gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck                                                                                     gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement                                                                                                       gSPrd.fctrDebtsettlement
## gSPrd.fctrCreditrepair                                                                                                           gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan                                                                                                                   gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder                                                                                                               gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                                   gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing                                                                             gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmerican                                                                                                         gTags.fctrOlderAmerican
## gTags.fctrOlderAmericanServicemember                                                                               gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2                                                                                                 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                                             gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2                                                                                 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2                                                                                         gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2                                                                                   gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                                               gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3                                                                                       gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3                                                                                                 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                                             gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3                                                                                 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3                                                                                         gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3                                                                                   gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                                               gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4                                                                                       gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4                                                                                                 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                                             gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4                                                                                 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4                                                                                         gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4                                                                                   gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                                               gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
##                                                                                rel.inf
## Datereceived.juliandate                                                     11.6942793
## Datereceived.last32.log1p                                                   10.4663268
## .rnorm                                                                      10.0440344
## Response.fctrClosedwithmonetaryrelief                                        7.5708353
## gCompany.fctrAmex                                                            7.5153939
## Datereceived.last16.log1p                                                    4.6495452
## Datereceived.last2.log1p                                                     4.3109082
## Datereceived.last4.log1p                                                     4.2109105
## Sent.Recd.Dys                                                                3.0803032
## Datereceived.month.fctr07                                                    3.0723298
## Datereceived.year.fctr2016                                                   2.5797180
## Datereceived.last8.log1p                                                     2.2840333
## Sent.Recd.Dys.nexp                                                           2.1042874
## Datereceived.wkend                                                           2.0596648
## Channel.fctrPhone                                                            1.9900650
## Response.fctrClosedwithnon-monetaryrelief                                    1.7181929
## gTags.fctrServicemember                                                      1.5922156
## gCompany.fctrCitibank                                                        1.4706241
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                1.4065563
## Rgn.Dvn.fctrWT#Pacific                                                       1.3916654
## Datereceived.month.fctr06                                                    1.2963442
## Datereceived.month.fctr09                                                    1.2819048
## gSPrd.fctrMobilewallet                                                       1.2364620
## Channel.fctrReferral                                                         1.1969326
## Datereceived.month.fctr05                                                    1.1793508
## Rgn.Dvn.fctrMW#EastNorthCentral                                              1.1085385
## gSPrd.fctrPayrollcard                                                        0.9842425
## gSPrd.fctrOther:.clusterid.fctr2                                             0.7533706
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                      0.6205197
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                0.6168959
## gSPrd.fctrGeneralpurposecard                                                 0.5345991
## gCConsent.fctrConsentprovided                                                0.5253100
## Datereceived.month.fctr08                                                    0.5008988
## gCompany.fctrOther                                                           0.4432724
## Datereceived.year.fctr2015                                                   0.4330541
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                  0.4008774
## gCConsent.fctrOther                                                          0.3759966
## gSPrd.fctrGiftormerchantcard                                                 0.3386735
## gCompany.fctrComerica                                                        0.2994984
## Datereceived.wkday.fctr4                                                     0.2887134
## gSPrd.fctrIDprepaidcard                                                      0.1881712
## Datereceived.month.fctr03                                                    0.1844840
## .clusterid                                                                   0.0000000
## Channel.fctrFax                                                              0.0000000
## Channel.fctrPostalmail                                                       0.0000000
## Datereceived.date.fctr(7,13]                                                 0.0000000
## Datereceived.date.fctr(13,19]                                                0.0000000
## Datereceived.date.fctr(19,25]                                                0.0000000
## Datereceived.date.fctr(25,31]                                                0.0000000
## Datereceived.month.fctr02                                                    0.0000000
## Datereceived.month.fctr04                                                    0.0000000
## Datereceived.month.fctr10                                                    0.0000000
## Datereceived.month.fctr11                                                    0.0000000
## Datereceived.month.fctr12                                                    0.0000000
## Datereceived.wkday.fctr1                                                     0.0000000
## Datereceived.wkday.fctr2                                                     0.0000000
## Datereceived.wkday.fctr3                                                     0.0000000
## Datereceived.wkday.fctr5                                                     0.0000000
## Datereceived.wkday.fctr6                                                     0.0000000
## Datesenttocompany.date.fctr(7,13]                                            0.0000000
## Datesenttocompany.date.fctr(13,19]                                           0.0000000
## Datesenttocompany.date.fctr(19,25]                                           0.0000000
## Datesenttocompany.date.fctr(25,31]                                           0.0000000
## Datesenttocompany.juliandate                                                 0.0000000
## Datesenttocompany.last16.log1p                                               0.0000000
## Datesenttocompany.last2.log1p                                                0.0000000
## Datesenttocompany.last32.log1p                                               0.0000000
## Datesenttocompany.last4.log1p                                                0.0000000
## Datesenttocompany.last8.log1p                                                0.0000000
## Datesenttocompany.month.fctr02                                               0.0000000
## Datesenttocompany.month.fctr03                                               0.0000000
## Datesenttocompany.month.fctr04                                               0.0000000
## Datesenttocompany.month.fctr05                                               0.0000000
## Datesenttocompany.month.fctr06                                               0.0000000
## Datesenttocompany.month.fctr07                                               0.0000000
## Datesenttocompany.month.fctr08                                               0.0000000
## Datesenttocompany.month.fctr09                                               0.0000000
## Datesenttocompany.month.fctr10                                               0.0000000
## Datesenttocompany.month.fctr11                                               0.0000000
## Datesenttocompany.month.fctr12                                               0.0000000
## Datesenttocompany.wkday.fctr1                                                0.0000000
## Datesenttocompany.wkday.fctr2                                                0.0000000
## Datesenttocompany.wkday.fctr3                                                0.0000000
## Datesenttocompany.wkday.fctr4                                                0.0000000
## Datesenttocompany.wkday.fctr5                                                0.0000000
## Datesenttocompany.wkday.fctr6                                                0.0000000
## Datesenttocompany.wkend                                                      0.0000000
## Datesenttocompany.year.fctr2015                                              0.0000000
## Datesenttocompany.year.fctr2016                                              0.0000000
## Response.fctrClosed                                                          0.0000000
## Response.fctrInprogress                                                      0.0000000
## Response.fctrUntimelyresponse                                                0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                              0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                   0.0000000
## Rgn.Dvn.fctrOT#Other                                                         0.0000000
## Rgn.Dvn.fctrSH#EastSouthCentral                                              0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                              0.0000000
## Rgn.Dvn.fctrWT#Mountain                                                      0.0000000
## Sent.Recd.Dys.log1p                                                          0.0000000
## Sent.Recd.Dys.root2                                                          0.0000000
## gCConsent.fctrConsentnotprovided                                             0.0000000
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                    0.0000000
## gCompany.fctrPayPalHoldings,Inc.                                             0.0000000
## gCompany.fctrU.S.Bancorp                                                     0.0000000
## gSPrd.fctrVehicleloan                                                        0.0000000
## gSPrd.fctrCheckingaccount                                                    0.0000000
## gSPrd.fctrConventionalfixedmortgage                                          0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                   0.0000000
## gSPrd.fctrIdonotknow                                                         0.0000000
## gSPrd.fctr                                                                   0.0000000
## gSPrd.fctrOthermortgage                                                      0.0000000
## gSPrd.fctrCreditcard                                                         0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                0.0000000
## gSPrd.fctrOtherbankproduct/service                                           0.0000000
## gSPrd.fctrNon-federalstudentloan                                             0.0000000
## gSPrd.fctrFHAmortgage                                                        0.0000000
## gSPrd.fctr(CD)Certificateofdeposit                                           0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit                                       0.0000000
## gSPrd.fctrVehiclelease                                                       0.0000000
## gSPrd.fctrSavingsaccount                                                     0.0000000
## gSPrd.fctrFederalstudentloan                                                 0.0000000
## gSPrd.fctrMortgage                                                           0.0000000
## gSPrd.fctrReversemortgage                                                    0.0000000
## gSPrd.fctrAuto                                                               0.0000000
## gSPrd.fctrInstallmentloan                                                    0.0000000
## gSPrd.fctrMedical                                                            0.0000000
## gSPrd.fctrVAmortgage                                                         0.0000000
## gSPrd.fctrDomestic(US)moneytransfer                                          0.0000000
## gSPrd.fctrInternationalmoneytransfer                                         0.0000000
## gSPrd.fctrPersonallineofcredit                                               0.0000000
## gSPrd.fctrSecondmortgage                                                     0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount                                      0.0000000
## gSPrd.fctrPaydayloan                                                         0.0000000
## gSPrd.fctrCheckcashing                                                       0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                       0.0000000
## gSPrd.fctrTitleloan                                                          0.0000000
## gSPrd.fctrForeigncurrencyexchange                                            0.0000000
## gSPrd.fctrRefundanticipationcheck                                            0.0000000
## gSPrd.fctrDebtsettlement                                                     0.0000000
## gSPrd.fctrCreditrepair                                                       0.0000000
## gSPrd.fctrPawnloan                                                           0.0000000
## gSPrd.fctrMoneyorder                                                         0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                   0.0000000
## gSPrd.fctrFederalstudentloanservicing                                        0.0000000
## gTags.fctrOlderAmerican                                                      0.0000000
## gTags.fctrOlderAmericanServicemember                                         0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                        0.0000000
## gSPrd.fctr:.clusterid.fctr2                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr3                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                        0.0000000
## gSPrd.fctr:.clusterid.fctr3                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr4                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                        0.0000000
## gSPrd.fctr:.clusterid.fctr4                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                       0.0000000
## [1] TRUE

## [1] "All.X##rcv#gbm fit prediction diagnostics:"
## [1] "All.X##rcv#gbm OOB prediction diagnostics:"
##                                                                             All.X..rcv.gbm.imp
## Datereceived.juliandate                                                             100.000000
## Datereceived.last32.log1p                                                            89.499546
## .rnorm                                                                               85.888443
## Response.fctrClosedwithmonetaryrelief                                                64.739648
## gCompany.fctrAmex                                                                    64.265558
## Datereceived.last16.log1p                                                            39.759143
## Datereceived.last2.log1p                                                             36.863393
## Datereceived.last4.log1p                                                             36.008294
## Sent.Recd.Dys                                                                        26.340257
## Datereceived.month.fctr07                                                            26.272074
## Datereceived.year.fctr2016                                                           22.059658
## Datereceived.last8.log1p                                                             19.531202
## Sent.Recd.Dys.nexp                                                                   17.994161
## Datereceived.wkend                                                                   17.612585
## Channel.fctrPhone                                                                    17.017423
## Response.fctrClosedwithnon-monetaryrelief                                            14.692593
## gTags.fctrServicemember                                                              13.615337
## gCompany.fctrCitibank                                                                12.575585
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                        12.027730
## Rgn.Dvn.fctrWT#Pacific                                                               11.900394
## Datereceived.month.fctr06                                                            11.085285
## Datereceived.month.fctr09                                                            10.961811
## gSPrd.fctrMobilewallet                                                               10.573221
## Channel.fctrReferral                                                                 10.235198
## Datereceived.month.fctr05                                                            10.084853
## Rgn.Dvn.fctrMW#EastNorthCentral                                                       9.479323
## gSPrd.fctrPayrollcard                                                                 8.416444
## gSPrd.fctrOther:.clusterid.fctr2                                                      6.442215
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                               5.306182
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                         5.275194
## gSPrd.fctrGeneralpurposecard                                                          4.571458
## gCConsent.fctrConsentprovided                                                         4.492026
## Datereceived.month.fctr08                                                             4.283281
## gCompany.fctrOther                                                                    3.790506
## Datereceived.year.fctr2015                                                            3.703128
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                           3.427979
## gCConsent.fctrOther                                                                   3.215218
## gSPrd.fctrGiftormerchantcard                                                          2.896061
## gCompany.fctrComerica                                                                 2.561068
## Datereceived.wkday.fctr4                                                              2.468843
## gSPrd.fctrIDprepaidcard                                                               1.609088
## Datereceived.month.fctr03                                                             1.577557
## .clusterid                                                                            0.000000
## Channel.fctrFax                                                                       0.000000
## Channel.fctrPostalmail                                                                0.000000
## Datereceived.date.fctr(7,13]                                                          0.000000
## Datereceived.date.fctr(13,19]                                                         0.000000
## Datereceived.date.fctr(19,25]                                                         0.000000
## Datereceived.date.fctr(25,31]                                                         0.000000
## Datereceived.month.fctr02                                                             0.000000
## Datereceived.month.fctr04                                                             0.000000
## Datereceived.month.fctr10                                                             0.000000
## Datereceived.month.fctr11                                                             0.000000
## Datereceived.month.fctr12                                                             0.000000
## Datereceived.wkday.fctr1                                                              0.000000
## Datereceived.wkday.fctr2                                                              0.000000
## Datereceived.wkday.fctr3                                                              0.000000
## Datereceived.wkday.fctr5                                                              0.000000
## Datereceived.wkday.fctr6                                                              0.000000
## Datesenttocompany.date.fctr(7,13]                                                     0.000000
## Datesenttocompany.date.fctr(13,19]                                                    0.000000
## Datesenttocompany.date.fctr(19,25]                                                    0.000000
## Datesenttocompany.date.fctr(25,31]                                                    0.000000
## Datesenttocompany.juliandate                                                          0.000000
## Datesenttocompany.last16.log1p                                                        0.000000
## Datesenttocompany.last2.log1p                                                         0.000000
## Datesenttocompany.last32.log1p                                                        0.000000
## Datesenttocompany.last4.log1p                                                         0.000000
## Datesenttocompany.last8.log1p                                                         0.000000
## Datesenttocompany.month.fctr02                                                        0.000000
## Datesenttocompany.month.fctr03                                                        0.000000
## Datesenttocompany.month.fctr04                                                        0.000000
## Datesenttocompany.month.fctr05                                                        0.000000
## Datesenttocompany.month.fctr06                                                        0.000000
## Datesenttocompany.month.fctr07                                                        0.000000
## Datesenttocompany.month.fctr08                                                        0.000000
## Datesenttocompany.month.fctr09                                                        0.000000
## Datesenttocompany.month.fctr10                                                        0.000000
## Datesenttocompany.month.fctr11                                                        0.000000
## Datesenttocompany.month.fctr12                                                        0.000000
## Datesenttocompany.wkday.fctr1                                                         0.000000
## Datesenttocompany.wkday.fctr2                                                         0.000000
## Datesenttocompany.wkday.fctr3                                                         0.000000
## Datesenttocompany.wkday.fctr4                                                         0.000000
## Datesenttocompany.wkday.fctr5                                                         0.000000
## Datesenttocompany.wkday.fctr6                                                         0.000000
## Datesenttocompany.wkend                                                               0.000000
## Datesenttocompany.year.fctr2015                                                       0.000000
## Datesenttocompany.year.fctr2016                                                       0.000000
## Response.fctrClosed                                                                   0.000000
## Response.fctrInprogress                                                               0.000000
## Response.fctrUntimelyresponse                                                         0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                                       0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                            0.000000
## Rgn.Dvn.fctrOT#Other                                                                  0.000000
## Rgn.Dvn.fctrSH#EastSouthCentral                                                       0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                                       0.000000
## Rgn.Dvn.fctrWT#Mountain                                                               0.000000
## Sent.Recd.Dys.log1p                                                                   0.000000
## Sent.Recd.Dys.root2                                                                   0.000000
## gCConsent.fctrConsentnotprovided                                                      0.000000
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                             0.000000
## gCompany.fctrPayPalHoldings,Inc.                                                      0.000000
## gCompany.fctrU.S.Bancorp                                                              0.000000
## gSPrd.fctrVehicleloan                                                                 0.000000
## gSPrd.fctrCheckingaccount                                                             0.000000
## gSPrd.fctrConventionalfixedmortgage                                                   0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                            0.000000
## gSPrd.fctrIdonotknow                                                                  0.000000
## gSPrd.fctr                                                                            0.000000
## gSPrd.fctrOthermortgage                                                               0.000000
## gSPrd.fctrCreditcard                                                                  0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                         0.000000
## gSPrd.fctrOtherbankproduct/service                                                    0.000000
## gSPrd.fctrNon-federalstudentloan                                                      0.000000
## gSPrd.fctrFHAmortgage                                                                 0.000000
## gSPrd.fctr(CD)Certificateofdeposit                                                    0.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                                0.000000
## gSPrd.fctrVehiclelease                                                                0.000000
## gSPrd.fctrSavingsaccount                                                              0.000000
## gSPrd.fctrFederalstudentloan                                                          0.000000
## gSPrd.fctrMortgage                                                                    0.000000
## gSPrd.fctrReversemortgage                                                             0.000000
## gSPrd.fctrAuto                                                                        0.000000
## gSPrd.fctrInstallmentloan                                                             0.000000
## gSPrd.fctrMedical                                                                     0.000000
## gSPrd.fctrVAmortgage                                                                  0.000000
## gSPrd.fctrDomestic(US)moneytransfer                                                   0.000000
## gSPrd.fctrInternationalmoneytransfer                                                  0.000000
## gSPrd.fctrPersonallineofcredit                                                        0.000000
## gSPrd.fctrSecondmortgage                                                              0.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                               0.000000
## gSPrd.fctrPaydayloan                                                                  0.000000
## gSPrd.fctrCheckcashing                                                                0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                                0.000000
## gSPrd.fctrTitleloan                                                                   0.000000
## gSPrd.fctrForeigncurrencyexchange                                                     0.000000
## gSPrd.fctrRefundanticipationcheck                                                     0.000000
## gSPrd.fctrDebtsettlement                                                              0.000000
## gSPrd.fctrCreditrepair                                                                0.000000
## gSPrd.fctrPawnloan                                                                    0.000000
## gSPrd.fctrMoneyorder                                                                  0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                            0.000000
## gSPrd.fctrFederalstudentloanservicing                                                 0.000000
## gTags.fctrOlderAmerican                                                               0.000000
## gTags.fctrOlderAmericanServicemember                                                  0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                            0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                  0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                           0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                 0.000000
## gSPrd.fctr:.clusterid.fctr2                                                           0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                              0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                        0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                   0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                     0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                   0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                               0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                               0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                             0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                         0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                            0.000000
## gSPrd.fctrAuto:.clusterid.fctr2                                                       0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                            0.000000
## gSPrd.fctrMedical:.clusterid.fctr2                                                    0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                       0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                             0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                              0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                               0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                               0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                               0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                    0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                    0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                             0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                              0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                               0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2           0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                0.000000
## gSPrd.fctrOther:.clusterid.fctr3                                                      0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                            0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                  0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                           0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                 0.000000
## gSPrd.fctr:.clusterid.fctr3                                                           0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                              0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                        0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                   0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                     0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                   0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                               0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                               0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                             0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                         0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                            0.000000
## gSPrd.fctrAuto:.clusterid.fctr3                                                       0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                            0.000000
## gSPrd.fctrMedical:.clusterid.fctr3                                                    0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                       0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                             0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                              0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                               0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                               0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                         0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                    0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                    0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                             0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                              0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                               0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3           0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                0.000000
## gSPrd.fctrOther:.clusterid.fctr4                                                      0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                            0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                  0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                           0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                 0.000000
## gSPrd.fctr:.clusterid.fctr4                                                           0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                              0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                        0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                   0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                     0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                   0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                               0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                               0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                             0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                         0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                            0.000000
## gSPrd.fctrAuto:.clusterid.fctr4                                                       0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                            0.000000
## gSPrd.fctrMedical:.clusterid.fctr4                                                    0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                 0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                       0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                             0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                              0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                               0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                               0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                               0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                    0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                    0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                             0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                              0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                               0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4           0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                0.000000
##                                                                                    imp
## Datereceived.juliandate                                                     100.000000
## Datereceived.last32.log1p                                                    89.499546
## .rnorm                                                                       85.888443
## Response.fctrClosedwithmonetaryrelief                                        64.739648
## gCompany.fctrAmex                                                            64.265558
## Datereceived.last16.log1p                                                    39.759143
## Datereceived.last2.log1p                                                     36.863393
## Datereceived.last4.log1p                                                     36.008294
## Sent.Recd.Dys                                                                26.340257
## Datereceived.month.fctr07                                                    26.272074
## Datereceived.year.fctr2016                                                   22.059658
## Datereceived.last8.log1p                                                     19.531202
## Sent.Recd.Dys.nexp                                                           17.994161
## Datereceived.wkend                                                           17.612585
## Channel.fctrPhone                                                            17.017423
## Response.fctrClosedwithnon-monetaryrelief                                    14.692593
## gTags.fctrServicemember                                                      13.615337
## gCompany.fctrCitibank                                                        12.575585
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                12.027730
## Rgn.Dvn.fctrWT#Pacific                                                       11.900394
## Datereceived.month.fctr06                                                    11.085285
## Datereceived.month.fctr09                                                    10.961811
## gSPrd.fctrMobilewallet                                                       10.573221
## Channel.fctrReferral                                                         10.235198
## Datereceived.month.fctr05                                                    10.084853
## Rgn.Dvn.fctrMW#EastNorthCentral                                               9.479323
## gSPrd.fctrPayrollcard                                                         8.416444
## gSPrd.fctrOther:.clusterid.fctr2                                              6.442215
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                       5.306182
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                 5.275194
## gSPrd.fctrGeneralpurposecard                                                  4.571458
## gCConsent.fctrConsentprovided                                                 4.492026
## Datereceived.month.fctr08                                                     4.283281
## gCompany.fctrOther                                                            3.790506
## Datereceived.year.fctr2015                                                    3.703128
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                   3.427979
## gCConsent.fctrOther                                                           3.215218
## gSPrd.fctrGiftormerchantcard                                                  2.896061
## gCompany.fctrComerica                                                         2.561068
## Datereceived.wkday.fctr4                                                      2.468843
## gSPrd.fctrIDprepaidcard                                                       1.609088
## Datereceived.month.fctr03                                                     1.577557
## .clusterid                                                                    0.000000
## Channel.fctrFax                                                               0.000000
## Channel.fctrPostalmail                                                        0.000000
## Datereceived.date.fctr(7,13]                                                  0.000000
## Datereceived.date.fctr(13,19]                                                 0.000000
## Datereceived.date.fctr(19,25]                                                 0.000000
## Datereceived.date.fctr(25,31]                                                 0.000000
## Datereceived.month.fctr02                                                     0.000000
## Datereceived.month.fctr04                                                     0.000000
## Datereceived.month.fctr10                                                     0.000000
## Datereceived.month.fctr11                                                     0.000000
## Datereceived.month.fctr12                                                     0.000000
## Datereceived.wkday.fctr1                                                      0.000000
## Datereceived.wkday.fctr2                                                      0.000000
## Datereceived.wkday.fctr3                                                      0.000000
## Datereceived.wkday.fctr5                                                      0.000000
## Datereceived.wkday.fctr6                                                      0.000000
## Datesenttocompany.date.fctr(7,13]                                             0.000000
## Datesenttocompany.date.fctr(13,19]                                            0.000000
## Datesenttocompany.date.fctr(19,25]                                            0.000000
## Datesenttocompany.date.fctr(25,31]                                            0.000000
## Datesenttocompany.juliandate                                                  0.000000
## Datesenttocompany.last16.log1p                                                0.000000
## Datesenttocompany.last2.log1p                                                 0.000000
## Datesenttocompany.last32.log1p                                                0.000000
## Datesenttocompany.last4.log1p                                                 0.000000
## Datesenttocompany.last8.log1p                                                 0.000000
## Datesenttocompany.month.fctr02                                                0.000000
## Datesenttocompany.month.fctr03                                                0.000000
## Datesenttocompany.month.fctr04                                                0.000000
## Datesenttocompany.month.fctr05                                                0.000000
## Datesenttocompany.month.fctr06                                                0.000000
## Datesenttocompany.month.fctr07                                                0.000000
## Datesenttocompany.month.fctr08                                                0.000000
## Datesenttocompany.month.fctr09                                                0.000000
## Datesenttocompany.month.fctr10                                                0.000000
## Datesenttocompany.month.fctr11                                                0.000000
## Datesenttocompany.month.fctr12                                                0.000000
## Datesenttocompany.wkday.fctr1                                                 0.000000
## Datesenttocompany.wkday.fctr2                                                 0.000000
## Datesenttocompany.wkday.fctr3                                                 0.000000
## Datesenttocompany.wkday.fctr4                                                 0.000000
## Datesenttocompany.wkday.fctr5                                                 0.000000
## Datesenttocompany.wkday.fctr6                                                 0.000000
## Datesenttocompany.wkend                                                       0.000000
## Datesenttocompany.year.fctr2015                                               0.000000
## Datesenttocompany.year.fctr2016                                               0.000000
## Response.fctrClosed                                                           0.000000
## Response.fctrInprogress                                                       0.000000
## Response.fctrUntimelyresponse                                                 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                               0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                    0.000000
## Rgn.Dvn.fctrOT#Other                                                          0.000000
## Rgn.Dvn.fctrSH#EastSouthCentral                                               0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                               0.000000
## Rgn.Dvn.fctrWT#Mountain                                                       0.000000
## Sent.Recd.Dys.log1p                                                           0.000000
## Sent.Recd.Dys.root2                                                           0.000000
## gCConsent.fctrConsentnotprovided                                              0.000000
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                     0.000000
## gCompany.fctrPayPalHoldings,Inc.                                              0.000000
## gCompany.fctrU.S.Bancorp                                                      0.000000
## gSPrd.fctrVehicleloan                                                         0.000000
## gSPrd.fctrCheckingaccount                                                     0.000000
## gSPrd.fctrConventionalfixedmortgage                                           0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                    0.000000
## gSPrd.fctrIdonotknow                                                          0.000000
## gSPrd.fctr                                                                    0.000000
## gSPrd.fctrOthermortgage                                                       0.000000
## gSPrd.fctrCreditcard                                                          0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                 0.000000
## gSPrd.fctrOtherbankproduct/service                                            0.000000
## gSPrd.fctrNon-federalstudentloan                                              0.000000
## gSPrd.fctrFHAmortgage                                                         0.000000
## gSPrd.fctr(CD)Certificateofdeposit                                            0.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                        0.000000
## gSPrd.fctrVehiclelease                                                        0.000000
## gSPrd.fctrSavingsaccount                                                      0.000000
## gSPrd.fctrFederalstudentloan                                                  0.000000
## gSPrd.fctrMortgage                                                            0.000000
## gSPrd.fctrReversemortgage                                                     0.000000
## gSPrd.fctrAuto                                                                0.000000
## gSPrd.fctrInstallmentloan                                                     0.000000
## gSPrd.fctrMedical                                                             0.000000
## gSPrd.fctrVAmortgage                                                          0.000000
## gSPrd.fctrDomestic(US)moneytransfer                                           0.000000
## gSPrd.fctrInternationalmoneytransfer                                          0.000000
## gSPrd.fctrPersonallineofcredit                                                0.000000
## gSPrd.fctrSecondmortgage                                                      0.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                       0.000000
## gSPrd.fctrPaydayloan                                                          0.000000
## gSPrd.fctrCheckcashing                                                        0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                        0.000000
## gSPrd.fctrTitleloan                                                           0.000000
## gSPrd.fctrForeigncurrencyexchange                                             0.000000
## gSPrd.fctrRefundanticipationcheck                                             0.000000
## gSPrd.fctrDebtsettlement                                                      0.000000
## gSPrd.fctrCreditrepair                                                        0.000000
## gSPrd.fctrPawnloan                                                            0.000000
## gSPrd.fctrMoneyorder                                                          0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                    0.000000
## gSPrd.fctrFederalstudentloanservicing                                         0.000000
## gTags.fctrOlderAmerican                                                       0.000000
## gTags.fctrOlderAmericanServicemember                                          0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                        0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                    0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                          0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                   0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                         0.000000
## gSPrd.fctr:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                      0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                           0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                             0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                        0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                           0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                       0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                       0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                     0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                           0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                    0.000000
## gSPrd.fctrAuto:.clusterid.fctr2                                               0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                    0.000000
## gSPrd.fctrMedical:.clusterid.fctr2                                            0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                         0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                          0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                         0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                               0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                     0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                      0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                         0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                       0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                       0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                       0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                          0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                            0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                            0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                     0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                        0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                      0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                       0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                           0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                         0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2   0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                        0.000000
## gSPrd.fctrOther:.clusterid.fctr3                                              0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                        0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                    0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                          0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                   0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                         0.000000
## gSPrd.fctr:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                      0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                           0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                             0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                        0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                           0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                       0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                       0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                     0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                           0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                    0.000000
## gSPrd.fctrAuto:.clusterid.fctr3                                               0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                    0.000000
## gSPrd.fctrMedical:.clusterid.fctr3                                            0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                         0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                          0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                         0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                               0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                     0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                      0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                         0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                       0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                       0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                          0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                            0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                            0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                     0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                        0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                      0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                       0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                           0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                         0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3   0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                        0.000000
## gSPrd.fctrOther:.clusterid.fctr4                                              0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                        0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                    0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                          0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                   0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                         0.000000
## gSPrd.fctr:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                      0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                           0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                             0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                        0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                           0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                       0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                       0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                     0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                 0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                           0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                    0.000000
## gSPrd.fctrAuto:.clusterid.fctr4                                               0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                    0.000000
## gSPrd.fctrMedical:.clusterid.fctr4                                            0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                         0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                          0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                         0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                               0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                     0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                      0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                         0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                       0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                       0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                       0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                 0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                          0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                            0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                            0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                     0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                        0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                      0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                       0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                           0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                         0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4   0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                        0.000000
## Warning in glb_analytics_diag_plots(obs_df = glbObsOOB, mdl_id =
## glbMdlSltId, : Limiting important feature scatter plots to 5 out of 36

## Loading required package: lazyeval
## [1] "Min/Max Boundaries: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1622364              Y                         0.05808589
## 2     1617631              Y                         0.15274511
## 3     1079866              N                         0.20015434
## 4     1621350              N                         0.07715920
## 5     1724341              N                         0.21867785
## 6     1721395              N                         0.31619734
## 7     1724708              N                         0.32663178
## 8     1086443              N                         0.38787073
## 9     1176479              N                         0.40665661
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                             FALSE
## 4                             N                             FALSE
## 5                             N                             FALSE
## 6                             Y                              TRUE
## 7                             Y                              TRUE
## 8                             Y                              TRUE
## 9                             Y                              TRUE
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.9419141
## 2                             0.8472549
## 3                             0.2001543
## 4                             0.0771592
## 5                             0.2186778
## 6                             0.3161973
## 7                             0.3266318
## 8                             0.3878707
## 9                             0.4066566
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                FALSE
## 2                                FALSE
## 3                                 TRUE
## 4                                 TRUE
## 5                                 TRUE
## 6                                FALSE
## 7                                FALSE
## 8                                FALSE
## 9                                FALSE
##   CDisputed.fctr.All.X..rcv.gbm.accurate
## 1                                  FALSE
## 2                                  FALSE
## 3                                   TRUE
## 4                                   TRUE
## 5                                   TRUE
## 6                                  FALSE
## 7                                  FALSE
## 8                                  FALSE
## 9                                  FALSE
##   CDisputed.fctr.All.X..rcv.gbm.error  .label
## 1                         -0.24191411 1622364
## 2                         -0.14725489 1617631
## 3                          0.00000000 1079866
## 4                          0.00000000 1621350
## 5                          0.00000000 1724341
## 6                          0.01619734 1721395
## 7                          0.02663178 1724708
## 8                          0.08787073 1086443
## 9                          0.10665661 1176479
## [1] "Inaccurate: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1622364              Y                         0.05808589
## 2     1623265              Y                         0.07103979
## 3     1630068              Y                         0.07210774
## 4     1749156              Y                         0.07226844
## 5     1245156              Y                         0.09574982
## 6     1634714              Y                         0.09603767
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                              TRUE
## 4                             N                              TRUE
## 5                             N                              TRUE
## 6                             N                              TRUE
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.9419141
## 2                             0.9289602
## 3                             0.9278923
## 4                             0.9277316
## 5                             0.9042502
## 6                             0.9039623
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                FALSE
## 2                                FALSE
## 3                                FALSE
## 4                                FALSE
## 5                                FALSE
## 6                                FALSE
##   CDisputed.fctr.All.X..rcv.gbm.accurate
## 1                                  FALSE
## 2                                  FALSE
## 3                                  FALSE
## 4                                  FALSE
## 5                                  FALSE
## 6                                  FALSE
##   CDisputed.fctr.All.X..rcv.gbm.error
## 1                          -0.2419141
## 2                          -0.2289602
## 3                          -0.2278923
## 4                          -0.2277316
## 5                          -0.2042502
## 6                          -0.2039623
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 60      1337121              N                          0.3114441
## 97      1554414              N                          0.3262606
## 214     1546109              N                          0.3769906
## 233     1730648              N                          0.3894749
## 245     1354254              N                          0.3931339
## 374     1753498              N                          0.5134874
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 60                              Y                              TRUE
## 97                              Y                              TRUE
## 214                             Y                              TRUE
## 233                             Y                              TRUE
## 245                             Y                              TRUE
## 374                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 60                              0.3114441
## 97                              0.3262606
## 214                             0.3769906
## 233                             0.3894749
## 245                             0.3931339
## 374                             0.5134874
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 60                                 FALSE
## 97                                 FALSE
## 214                                FALSE
## 233                                FALSE
## 245                                FALSE
## 374                                FALSE
##     CDisputed.fctr.All.X..rcv.gbm.accurate
## 60                                   FALSE
## 97                                   FALSE
## 214                                  FALSE
## 233                                  FALSE
## 245                                  FALSE
## 374                                  FALSE
##     CDisputed.fctr.All.X..rcv.gbm.error
## 60                           0.01144414
## 97                           0.02626058
## 214                          0.07699057
## 233                          0.08947486
## 245                          0.09313385
## 374                          0.21348739
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 437     2024896              N                          0.7483477
## 438     1999938              N                          0.7730994
## 439     2022079              N                          0.7864783
## 440     2015242              N                          0.7872117
## 441     2039882              N                          0.8007953
## 442     2007045              N                          0.8748960
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 437                             Y                              TRUE
## 438                             Y                              TRUE
## 439                             Y                              TRUE
## 440                             Y                              TRUE
## 441                             Y                              TRUE
## 442                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 437                             0.7483477
## 438                             0.7730994
## 439                             0.7864783
## 440                             0.7872117
## 441                             0.8007953
## 442                             0.8748960
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 437                                FALSE
## 438                                FALSE
## 439                                FALSE
## 440                                FALSE
## 441                                FALSE
## 442                                FALSE
##     CDisputed.fctr.All.X..rcv.gbm.accurate
## 437                                  FALSE
## 438                                  FALSE
## 439                                  FALSE
## 440                                  FALSE
## 441                                  FALSE
## 442                                  FALSE
##     CDisputed.fctr.All.X..rcv.gbm.error
## 437                           0.4483477
## 438                           0.4730994
## 439                           0.4864783
## 440                           0.4872117
## 441                           0.5007953
## 442                           0.5748960
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

## [1] "Min/Max Boundaries: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1622364              Y                         0.05808589
## 2     1617631              Y                         0.15274511
## 3     1079866              N                         0.20015434
## 4     1621350              N                         0.07715920
## 5     1622027              N                         0.07092793
## 6     1977795              N                         0.18780208
## 7     1086443              N                         0.38787073
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                             FALSE
## 4                             N                             FALSE
## 5                             N                             FALSE
## 6                             N                             FALSE
## 7                             Y                              TRUE
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                            0.94191411
## 2                            0.84725489
## 3                            0.20015434
## 4                            0.07715920
## 5                            0.07092793
## 6                            0.18780208
## 7                            0.38787073
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                FALSE
## 2                                FALSE
## 3                                 TRUE
## 4                                 TRUE
## 5                                 TRUE
## 6                                 TRUE
## 7                                FALSE
##   CDisputed.fctr.All.X..rcv.gbm.accurate
## 1                                  FALSE
## 2                                  FALSE
## 3                                   TRUE
## 4                                   TRUE
## 5                                   TRUE
## 6                                   TRUE
## 7                                  FALSE
##   CDisputed.fctr.All.X..rcv.gbm.error  .label
## 1                         -0.24191411 1622364
## 2                         -0.14725489 1617631
## 3                          0.00000000 1079866
## 4                          0.00000000 1621350
## 5                          0.00000000 1622027
## 6                          0.00000000 1977795
## 7                          0.08787073 1086443
## [1] "Inaccurate: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1622364              Y                         0.05808589
## 2     1623265              Y                         0.07103979
## 3     1630068              Y                         0.07210774
## 4     1749156              Y                         0.07226844
## 5     1245156              Y                         0.09574982
## 6     1634714              Y                         0.09603767
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                              TRUE
## 4                             N                              TRUE
## 5                             N                              TRUE
## 6                             N                              TRUE
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.9419141
## 2                             0.9289602
## 3                             0.9278923
## 4                             0.9277316
## 5                             0.9042502
## 6                             0.9039623
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                FALSE
## 2                                FALSE
## 3                                FALSE
## 4                                FALSE
## 5                                FALSE
## 6                                FALSE
##   CDisputed.fctr.All.X..rcv.gbm.accurate
## 1                                  FALSE
## 2                                  FALSE
## 3                                  FALSE
## 4                                  FALSE
## 5                                  FALSE
## 6                                  FALSE
##   CDisputed.fctr.All.X..rcv.gbm.error
## 1                          -0.2419141
## 2                          -0.2289602
## 3                          -0.2278923
## 4                          -0.2277316
## 5                          -0.2042502
## 6                          -0.2039623
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 32      1245095              Y                          0.2786880
## 54      1740058              N                          0.3078465
## 83      1134380              N                          0.3211873
## 163     1224062              N                          0.3527636
## 168     1776305              N                          0.3545429
## 332     1489209              N                          0.4594825
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 32                              N                              TRUE
## 54                              Y                              TRUE
## 83                              Y                              TRUE
## 163                             Y                              TRUE
## 168                             Y                              TRUE
## 332                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 32                              0.7213120
## 54                              0.3078465
## 83                              0.3211873
## 163                             0.3527636
## 168                             0.3545429
## 332                             0.4594825
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 32                                 FALSE
## 54                                 FALSE
## 83                                 FALSE
## 163                                FALSE
## 168                                FALSE
## 332                                FALSE
##     CDisputed.fctr.All.X..rcv.gbm.accurate
## 32                                   FALSE
## 54                                   FALSE
## 83                                   FALSE
## 163                                  FALSE
## 168                                  FALSE
## 332                                  FALSE
##     CDisputed.fctr.All.X..rcv.gbm.error
## 32                          -0.02131204
## 54                           0.00784653
## 83                           0.02118727
## 163                          0.05276360
## 168                          0.05454289
## 332                          0.15948255
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 437     2024896              N                          0.7483477
## 438     1999938              N                          0.7730994
## 439     2022079              N                          0.7864783
## 440     2015242              N                          0.7872117
## 441     2039882              N                          0.8007953
## 442     2007045              N                          0.8748960
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 437                             Y                              TRUE
## 438                             Y                              TRUE
## 439                             Y                              TRUE
## 440                             Y                              TRUE
## 441                             Y                              TRUE
## 442                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 437                             0.7483477
## 438                             0.7730994
## 439                             0.7864783
## 440                             0.7872117
## 441                             0.8007953
## 442                             0.8748960
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 437                                FALSE
## 438                                FALSE
## 439                                FALSE
## 440                                FALSE
## 441                                FALSE
## 442                                FALSE
##     CDisputed.fctr.All.X..rcv.gbm.accurate
## 437                                  FALSE
## 438                                  FALSE
## 439                                  FALSE
## 440                                  FALSE
## 441                                  FALSE
## 442                                  FALSE
##     CDisputed.fctr.All.X..rcv.gbm.error
## 437                           0.4483477
## 438                           0.4730994
## 439                           0.4864783
## 440                           0.4872117
## 441                           0.5007953
## 442                           0.5748960
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

##                                                gSPrd.fctr .n.OOB .n.Fit
## Giftormerchantcard                     Giftormerchantcard    160    114
## Mobilewallet                                 Mobilewallet    145    161
## Other                                               Other     89     92
## Governmentbenefitpaymentcard Governmentbenefitpaymentcard    163     98
## Generalpurposecard                     Generalpurposecard    699    642
## IDprepaidcard                               IDprepaidcard     94     72
## Payrollcard                                   Payrollcard    176    164
##                              .n.Tst .freqRatio.Fit .freqRatio.OOB
## Giftormerchantcard               21     0.08488459     0.10484928
## Mobilewallet                     18     0.11988086     0.09501966
## Other                             9     0.06850335     0.05832241
## Governmentbenefitpaymentcard     22     0.07297096     0.10681520
## Generalpurposecard               69     0.47803425     0.45806029
## IDprepaidcard                     8     0.05361132     0.06159895
## Payrollcard                      18     0.12211467     0.11533421
##                              .freqRatio.Tst err.abs.fit.sum
## Giftormerchantcard               0.12727273        42.85137
## Mobilewallet                     0.10909091        60.60787
## Other                            0.05454545        30.83500
## Governmentbenefitpaymentcard     0.13333333        32.99037
## Generalpurposecard               0.41818182       196.14784
## IDprepaidcard                    0.04848485        21.76967
## Payrollcard                      0.10909091        31.12132
##                              err.abs.fit.mean .n.fit err.abs.OOB.sum
## Giftormerchantcard                  0.3758892    114        52.41608
## Mobilewallet                        0.3764464    161        43.11740
## Other                               0.3351631     92        25.78569
## Governmentbenefitpaymentcard        0.3366364     98        43.06197
## Generalpurposecard                  0.3055262    642       177.78047
## IDprepaidcard                       0.3023565     72        20.63839
## Payrollcard                         0.1897641    164        23.78979
##                              err.abs.OOB.mean
## Giftormerchantcard                  0.3276005
## Mobilewallet                        0.2973614
## Other                               0.2897269
## Governmentbenefitpaymentcard        0.2641838
## Generalpurposecard                  0.2543354
## IDprepaidcard                       0.2195573
## Payrollcard                         0.1351693
##           .n.OOB           .n.Fit           .n.Tst   .freqRatio.Fit 
##      1526.000000      1343.000000       165.000000         1.000000 
##   .freqRatio.OOB   .freqRatio.Tst  err.abs.fit.sum err.abs.fit.mean 
##         1.000000         1.000000       416.323436         2.221782 
##           .n.fit  err.abs.OOB.sum err.abs.OOB.mean 
##      1343.000000       386.589779         1.787935
##              label step_major step_minor label_minor     bgn end elapsed
## 1 fit.models_2_bgn          1          0    teardown 354.046  NA      NA
##        label step_major step_minor label_minor     bgn     end elapsed
## 4 fit.models          2          2           2 264.831 354.054  89.224
## 5 fit.models          2          3           3 354.055      NA      NA
# if (sum(is.na(glbObsAll$D.P.http)) > 0)
#         stop("fit.models_3: Why is this happening ?")

#stop(here"); glb2Sav()
sync_glb_obs_df <- function() {
    # Merge or cbind ?
    for (col in setdiff(names(glbObsFit), names(glbObsTrn)))
        glbObsTrn[glbObsTrn$.lcn == "Fit", col] <<- glbObsFit[, col]
    for (col in setdiff(names(glbObsFit), names(glbObsAll)))
        glbObsAll[glbObsAll$.lcn == "Fit", col] <<- glbObsFit[, col]
    if (all(is.na(glbObsNew[, glb_rsp_var])))
        for (col in setdiff(names(glbObsOOB), names(glbObsTrn)))
            glbObsTrn[glbObsTrn$.lcn == "OOB", col] <<- glbObsOOB[, col]
    for (col in setdiff(names(glbObsOOB), names(glbObsAll)))
        glbObsAll[glbObsAll$.lcn == "OOB", col] <<- glbObsOOB[, col]
}
sync_glb_obs_df()
    
print(setdiff(names(glbObsNew), names(glbObsAll)))
## character(0)
replay.petrisim(pn = glb_analytics_pn, 
    replay.trans = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, 
        "model.selected")), flip_coord = TRUE)
## time trans    "bgn " "fit.data.training.all " "predict.data.new " "end " 
## 0.0000   multiple enabled transitions:  data.training.all data.new model.selected    firing:  model.selected 
## 1.0000    3   2 1 0 0

glb_chunks_df <- myadd_chunk(glb_chunks_df, "fit.data.training", major.inc = TRUE)
##               label step_major step_minor label_minor     bgn     end
## 5        fit.models          2          3           3 354.055 357.211
## 6 fit.data.training          3          0           0 357.211      NA
##   elapsed
## 5   3.156
## 6      NA
#myloadChunk(glbChunks$inpFilePathName, keepSpec = c(NULL), dropSpec = c(NULL)); glb2Sav()

Step 3.0: fit data training

## Proportion of positives after ubSMOTE : 42.86 % of 3059 observations 
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Trn.All.X###gbm"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.682000 secs"
## Fitting n.trees = 50, interaction.depth = 4, shrinkage = 0.1, n.minobsinnode = 10 on full training set
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.
## Iter   TrainDeviance   ValidDeviance   StepSize   Improve
##      1        1.1343             nan     0.1000    0.0099
##      2        1.1126             nan     0.1000    0.0098
##      3        1.0987             nan     0.1000    0.0047
##      4        1.0891             nan     0.1000    0.0037
##      5        1.0788             nan     0.1000    0.0039
##      6        1.0714             nan     0.1000    0.0007
##      7        1.0601             nan     0.1000    0.0045
##      8        1.0505             nan     0.1000    0.0037
##      9        1.0455             nan     0.1000   -0.0001
##     10        1.0386             nan     0.1000    0.0016
##     20        0.9845             nan     0.1000    0.0007
##     40        0.9293             nan     0.1000   -0.0005
##     50        0.9100             nan     0.1000   -0.0003
## 
## [1] "myfit_mdl: train complete: 2.746000 secs"
##   n.trees interaction.depth shrinkage n.minobsinnode
## 1      50                 4       0.1             10

##                                                                                                                                                     var
## Datereceived.juliandate                                                                                                         Datereceived.juliandate
## Datereceived.last32.log1p                                                                                                     Datereceived.last32.log1p
## Datereceived.last16.log1p                                                                                                     Datereceived.last16.log1p
## .rnorm                                                                                                                                           .rnorm
## Response.fctrClosedwithmonetaryrelief                                                                             Response.fctrClosedwithmonetaryrelief
## gCompany.fctrAmex                                                                                                                     gCompany.fctrAmex
## Datereceived.last2.log1p                                                                                                       Datereceived.last2.log1p
## Datereceived.year.fctr2016                                                                                                   Datereceived.year.fctr2016
## Response.fctrClosedwithnon-monetaryrelief                                                                     Response.fctrClosedwithnon-monetaryrelief
## Datereceived.month.fctr05                                                                                                     Datereceived.month.fctr05
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                                             gCompany.fctrNetSpendCorporation,aTSYSCompany
## Sent.Recd.Dys                                                                                                                             Sent.Recd.Dys
## Datereceived.last8.log1p                                                                                                       Datereceived.last8.log1p
## Rgn.Dvn.fctrWT#Pacific                                                                                                           Rgn.Dvn.fctrWT#Pacific
## gTags.fctrServicemember                                                                                                         gTags.fctrServicemember
## Datereceived.last4.log1p                                                                                                       Datereceived.last4.log1p
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                                                     gCompany.fctrBlackhawkNetworkHoldingsInc.
## Channel.fctrPhone                                                                                                                     Channel.fctrPhone
## gCompany.fctrCitibank                                                                                                             gCompany.fctrCitibank
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr3
## Datereceived.year.fctr2015                                                                                                   Datereceived.year.fctr2015
## Sent.Recd.Dys.nexp                                                                                                                   Sent.Recd.Dys.nexp
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## Datereceived.date.fctr(19,25]                                                                                             Datereceived.date.fctr(19,25]
## Datereceived.month.fctr06                                                                                                     Datereceived.month.fctr06
## gSPrd.fctrGiftormerchantcard                                                                                               gSPrd.fctrGiftormerchantcard
## Channel.fctrReferral                                                                                                               Channel.fctrReferral
## Datereceived.wkend                                                                                                                   Datereceived.wkend
## Datereceived.month.fctr07                                                                                                     Datereceived.month.fctr07
## gTags.fctrOlderAmerican                                                                                                         gTags.fctrOlderAmerican
## Datereceived.month.fctr03                                                                                                     Datereceived.month.fctr03
## gCConsent.fctrOther                                                                                                                 gCConsent.fctrOther
## gSPrd.fctrMobilewallet                                                                                                           gSPrd.fctrMobilewallet
## Datereceived.month.fctr08                                                                                                     Datereceived.month.fctr08
## gCompany.fctrOther                                                                                                                   gCompany.fctrOther
## Rgn.Dvn.fctrSH#EastSouthCentral                                                                                         Rgn.Dvn.fctrSH#EastSouthCentral
## Datereceived.month.fctr04                                                                                                     Datereceived.month.fctr04
## Rgn.Dvn.fctrMW#EastNorthCentral                                                                                         Rgn.Dvn.fctrMW#EastNorthCentral
## gSPrd.fctrOther:.clusterid.fctr3                                                                                       gSPrd.fctrOther:.clusterid.fctr3
## Datereceived.date.fctr(25,31]                                                                                             Datereceived.date.fctr(25,31]
## gCConsent.fctrConsentnotprovided                                                                                       gCConsent.fctrConsentnotprovided
## Datereceived.month.fctr09                                                                                                     Datereceived.month.fctr09
## Datereceived.date.fctr(7,13]                                                                                               Datereceived.date.fctr(7,13]
## .clusterid                                                                                                                                   .clusterid
## gSPrd.fctrGeneralpurposecard                                                                                               gSPrd.fctrGeneralpurposecard
## gSPrd.fctrOther:.clusterid.fctr2                                                                                       gSPrd.fctrOther:.clusterid.fctr2
## Datereceived.wkday.fctr4                                                                                                       Datereceived.wkday.fctr4
## Datereceived.wkday.fctr1                                                                                                       Datereceived.wkday.fctr1
## Channel.fctrPostalmail                                                                                                           Channel.fctrPostalmail
## Channel.fctrFax                                                                                                                         Channel.fctrFax
## Datereceived.date.fctr(13,19]                                                                                             Datereceived.date.fctr(13,19]
## Datereceived.month.fctr02                                                                                                     Datereceived.month.fctr02
## Datereceived.month.fctr10                                                                                                     Datereceived.month.fctr10
## Datereceived.month.fctr11                                                                                                     Datereceived.month.fctr11
## Datereceived.month.fctr12                                                                                                     Datereceived.month.fctr12
## Datereceived.wkday.fctr2                                                                                                       Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3                                                                                                       Datereceived.wkday.fctr3
## Datereceived.wkday.fctr5                                                                                                       Datereceived.wkday.fctr5
## Datereceived.wkday.fctr6                                                                                                       Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13]                                                                                     Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19]                                                                                   Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25]                                                                                   Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31]                                                                                   Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate                                                                                               Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p                                                                                           Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p                                                                                             Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p                                                                                           Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p                                                                                             Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p                                                                                             Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02                                                                                           Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03                                                                                           Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04                                                                                           Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05                                                                                           Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06                                                                                           Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07                                                                                           Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08                                                                                           Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09                                                                                           Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10                                                                                           Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11                                                                                           Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12                                                                                           Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1                                                                                             Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2                                                                                             Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3                                                                                             Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4                                                                                             Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5                                                                                             Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6                                                                                             Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend                                                                                                         Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015                                                                                         Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016                                                                                         Datesenttocompany.year.fctr2016
## Response.fctrClosed                                                                                                                 Response.fctrClosed
## Response.fctrInprogress                                                                                                         Response.fctrInprogress
## Response.fctrUntimelyresponse                                                                                             Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#WestNorthCentral                                                                                         Rgn.Dvn.fctrMW#WestNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                                                 Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                                                   Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## Rgn.Dvn.fctrOT#Other                                                                                                               Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#WestSouthCentral                                                                                         Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain                                                                                                         Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p                                                                                                                 Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2                                                                                                                 Sent.Recd.Dys.root2
## gCConsent.fctrConsentprovided                                                                                             gCConsent.fctrConsentprovided
## gCompany.fctrComerica                                                                                                             gCompany.fctrComerica
## gCompany.fctrPayPalHoldings,Inc.                                                                                       gCompany.fctrPayPalHoldings,Inc.
## gCompany.fctrU.S.Bancorp                                                                                                       gCompany.fctrU.S.Bancorp
## gSPrd.fctrVehicleloan                                                                                                             gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount                                                                                                     gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage                                                                                 gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                                                   gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow                                                                                                               gSPrd.fctrIdonotknow
## gSPrd.fctr                                                                                                                                   gSPrd.fctr
## gSPrd.fctrOthermortgage                                                                                                         gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard                                                                                                               gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                                             gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service                                                                                   gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan                                                                                       gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage                                                                                                             gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit                                                                                   gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit                                                                           gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease                                                                                                           gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount                                                                                                       gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan                                                                                               gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage                                                                                                                   gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage                                                                                                     gSPrd.fctrReversemortgage
## gSPrd.fctrAuto                                                                                                                           gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan                                                                                                     gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical                                                                                                                     gSPrd.fctrMedical
## gSPrd.fctrVAmortgage                                                                                                               gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer                                                                                 gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer                                                                               gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit                                                                                           gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage                                                                                                       gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount                                                                         gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan                                                                                                               gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing                                                                                                           gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard                                                                           gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan                                                                                                                 gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange                                                                                     gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck                                                                                     gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement                                                                                                       gSPrd.fctrDebtsettlement
## gSPrd.fctrPayrollcard                                                                                                             gSPrd.fctrPayrollcard
## gSPrd.fctrIDprepaidcard                                                                                                         gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair                                                                                                           gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan                                                                                                                   gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder                                                                                                               gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                                   gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing                                                                             gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmericanServicemember                                                                               gTags.fctrOlderAmericanServicemember
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2                                                                                                 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                                             gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2                                                                                 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2                                                                                         gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2                                                                                   gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                                               gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3                                                                                                 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                                             gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3                                                                                 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3                                                                                         gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3                                                                                   gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                                               gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4                                                                                       gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4                                                                                                 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                                             gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4                                                                                 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4                                                                                         gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4                                                                                   gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                                               gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
##                                                                                rel.inf
## Datereceived.juliandate                                                     13.9527835
## Datereceived.last32.log1p                                                    9.0401708
## Datereceived.last16.log1p                                                    8.8416015
## .rnorm                                                                       7.6013442
## Response.fctrClosedwithmonetaryrelief                                        6.5748106
## gCompany.fctrAmex                                                            5.4779622
## Datereceived.last2.log1p                                                     4.5670027
## Datereceived.year.fctr2016                                                   3.6796727
## Response.fctrClosedwithnon-monetaryrelief                                    3.5283682
## Datereceived.month.fctr05                                                    3.2724076
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                2.8230050
## Sent.Recd.Dys                                                                2.5933284
## Datereceived.last8.log1p                                                     2.2469676
## Rgn.Dvn.fctrWT#Pacific                                                       2.0443957
## gTags.fctrServicemember                                                      1.6364149
## Datereceived.last4.log1p                                                     1.4432789
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                    1.4323673
## Channel.fctrPhone                                                            1.4041665
## gCompany.fctrCitibank                                                        1.1922049
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                      1.1833532
## Datereceived.year.fctr2015                                                   0.9786762
## Sent.Recd.Dys.nexp                                                           0.9653245
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                0.9625106
## Datereceived.date.fctr(19,25]                                                0.9304237
## Datereceived.month.fctr06                                                    0.8871628
## gSPrd.fctrGiftormerchantcard                                                 0.8276043
## Channel.fctrReferral                                                         0.7468573
## Datereceived.wkend                                                           0.7104820
## Datereceived.month.fctr07                                                    0.6933344
## gTags.fctrOlderAmerican                                                      0.6450202
## Datereceived.month.fctr03                                                    0.6230694
## gCConsent.fctrOther                                                          0.6229333
## gSPrd.fctrMobilewallet                                                       0.6011755
## Datereceived.month.fctr08                                                    0.5296346
## gCompany.fctrOther                                                           0.5126191
## Rgn.Dvn.fctrSH#EastSouthCentral                                              0.4533878
## Datereceived.month.fctr04                                                    0.4104179
## Rgn.Dvn.fctrMW#EastNorthCentral                                              0.3959795
## gSPrd.fctrOther:.clusterid.fctr3                                             0.3751924
## Datereceived.date.fctr(25,31]                                                0.3184387
## gCConsent.fctrConsentnotprovided                                             0.3149801
## Datereceived.month.fctr09                                                    0.3111118
## Datereceived.date.fctr(7,13]                                                 0.3096729
## .clusterid                                                                   0.2779193
## gSPrd.fctrGeneralpurposecard                                                 0.2572902
## gSPrd.fctrOther:.clusterid.fctr2                                             0.2217155
## Datereceived.wkday.fctr4                                                     0.2183365
## Datereceived.wkday.fctr1                                                     0.2005794
## Channel.fctrPostalmail                                                       0.1625439
## Channel.fctrFax                                                              0.0000000
## Datereceived.date.fctr(13,19]                                                0.0000000
## Datereceived.month.fctr02                                                    0.0000000
## Datereceived.month.fctr10                                                    0.0000000
## Datereceived.month.fctr11                                                    0.0000000
## Datereceived.month.fctr12                                                    0.0000000
## Datereceived.wkday.fctr2                                                     0.0000000
## Datereceived.wkday.fctr3                                                     0.0000000
## Datereceived.wkday.fctr5                                                     0.0000000
## Datereceived.wkday.fctr6                                                     0.0000000
## Datesenttocompany.date.fctr(7,13]                                            0.0000000
## Datesenttocompany.date.fctr(13,19]                                           0.0000000
## Datesenttocompany.date.fctr(19,25]                                           0.0000000
## Datesenttocompany.date.fctr(25,31]                                           0.0000000
## Datesenttocompany.juliandate                                                 0.0000000
## Datesenttocompany.last16.log1p                                               0.0000000
## Datesenttocompany.last2.log1p                                                0.0000000
## Datesenttocompany.last32.log1p                                               0.0000000
## Datesenttocompany.last4.log1p                                                0.0000000
## Datesenttocompany.last8.log1p                                                0.0000000
## Datesenttocompany.month.fctr02                                               0.0000000
## Datesenttocompany.month.fctr03                                               0.0000000
## Datesenttocompany.month.fctr04                                               0.0000000
## Datesenttocompany.month.fctr05                                               0.0000000
## Datesenttocompany.month.fctr06                                               0.0000000
## Datesenttocompany.month.fctr07                                               0.0000000
## Datesenttocompany.month.fctr08                                               0.0000000
## Datesenttocompany.month.fctr09                                               0.0000000
## Datesenttocompany.month.fctr10                                               0.0000000
## Datesenttocompany.month.fctr11                                               0.0000000
## Datesenttocompany.month.fctr12                                               0.0000000
## Datesenttocompany.wkday.fctr1                                                0.0000000
## Datesenttocompany.wkday.fctr2                                                0.0000000
## Datesenttocompany.wkday.fctr3                                                0.0000000
## Datesenttocompany.wkday.fctr4                                                0.0000000
## Datesenttocompany.wkday.fctr5                                                0.0000000
## Datesenttocompany.wkday.fctr6                                                0.0000000
## Datesenttocompany.wkend                                                      0.0000000
## Datesenttocompany.year.fctr2015                                              0.0000000
## Datesenttocompany.year.fctr2016                                              0.0000000
## Response.fctrClosed                                                          0.0000000
## Response.fctrInprogress                                                      0.0000000
## Response.fctrUntimelyresponse                                                0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                              0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                  0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                   0.0000000
## Rgn.Dvn.fctrOT#Other                                                         0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                              0.0000000
## Rgn.Dvn.fctrWT#Mountain                                                      0.0000000
## Sent.Recd.Dys.log1p                                                          0.0000000
## Sent.Recd.Dys.root2                                                          0.0000000
## gCConsent.fctrConsentprovided                                                0.0000000
## gCompany.fctrComerica                                                        0.0000000
## gCompany.fctrPayPalHoldings,Inc.                                             0.0000000
## gCompany.fctrU.S.Bancorp                                                     0.0000000
## gSPrd.fctrVehicleloan                                                        0.0000000
## gSPrd.fctrCheckingaccount                                                    0.0000000
## gSPrd.fctrConventionalfixedmortgage                                          0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                   0.0000000
## gSPrd.fctrIdonotknow                                                         0.0000000
## gSPrd.fctr                                                                   0.0000000
## gSPrd.fctrOthermortgage                                                      0.0000000
## gSPrd.fctrCreditcard                                                         0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                0.0000000
## gSPrd.fctrOtherbankproduct/service                                           0.0000000
## gSPrd.fctrNon-federalstudentloan                                             0.0000000
## gSPrd.fctrFHAmortgage                                                        0.0000000
## gSPrd.fctr(CD)Certificateofdeposit                                           0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit                                       0.0000000
## gSPrd.fctrVehiclelease                                                       0.0000000
## gSPrd.fctrSavingsaccount                                                     0.0000000
## gSPrd.fctrFederalstudentloan                                                 0.0000000
## gSPrd.fctrMortgage                                                           0.0000000
## gSPrd.fctrReversemortgage                                                    0.0000000
## gSPrd.fctrAuto                                                               0.0000000
## gSPrd.fctrInstallmentloan                                                    0.0000000
## gSPrd.fctrMedical                                                            0.0000000
## gSPrd.fctrVAmortgage                                                         0.0000000
## gSPrd.fctrDomestic(US)moneytransfer                                          0.0000000
## gSPrd.fctrInternationalmoneytransfer                                         0.0000000
## gSPrd.fctrPersonallineofcredit                                               0.0000000
## gSPrd.fctrSecondmortgage                                                     0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount                                      0.0000000
## gSPrd.fctrPaydayloan                                                         0.0000000
## gSPrd.fctrCheckcashing                                                       0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                       0.0000000
## gSPrd.fctrTitleloan                                                          0.0000000
## gSPrd.fctrForeigncurrencyexchange                                            0.0000000
## gSPrd.fctrRefundanticipationcheck                                            0.0000000
## gSPrd.fctrDebtsettlement                                                     0.0000000
## gSPrd.fctrPayrollcard                                                        0.0000000
## gSPrd.fctrIDprepaidcard                                                      0.0000000
## gSPrd.fctrCreditrepair                                                       0.0000000
## gSPrd.fctrPawnloan                                                           0.0000000
## gSPrd.fctrMoneyorder                                                         0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                   0.0000000
## gSPrd.fctrFederalstudentloanservicing                                        0.0000000
## gTags.fctrOlderAmericanServicemember                                         0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                        0.0000000
## gSPrd.fctr:.clusterid.fctr2                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                       0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                        0.0000000
## gSPrd.fctr:.clusterid.fctr3                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr4                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                        0.0000000
## gSPrd.fctr:.clusterid.fctr4                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                       0.0000000
## [1] "myfit_mdl: train diagnostics complete: 2.827000 secs"

##          Prediction
## Reference   N   Y
##         N 937 281
##         Y 131 306
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.510574e-01   4.229750e-01   7.294890e-01   7.717317e-01   7.359517e-01 
## AccuracyPValue  McnemarPValue 
##   8.532520e-02   2.124746e-13 
## [1] "myfit_mdl: predict complete: 5.922000 secs"
##                id
## 1 Trn.All.X###gbm
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1               0                      2.037                 1.493
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.6143639    0.9770115    0.2517162        0.824134
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.3       0.5976562        0.7510574
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1              0.729489             0.7717317      0.422975
##   min.log.loss.mean.fit
## 1             0.4549932
## [1] "myfit_mdl: exit: 5.933000 secs"
## [1] "myfit_mdl: enter: 0.000000 secs"
## [1] "myfit_mdl: fitting model: Trn.All.X##rcv#gbm"
## [1] "    indepVar: Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr"
## [1] "myfit_mdl: setup complete: 0.616000 secs"
## Aggregating results
## Selecting tuning parameters
## Fitting n.trees = 50, interaction.depth = 5, shrinkage = 0.1, n.minobsinnode = 10 on full training set
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 70: Response.fctrInprogress has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 71: Response.fctrUntimelyresponse has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 96: gSPrd.fctrVehicleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 97: gSPrd.fctrCheckingaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 98: gSPrd.fctrConventionalfixedmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 99: gSPrd.fctrOther(i.e.phone,healthclub,etc.) has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 100: gSPrd.fctrIdonotknow has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 101: gSPrd.fctr has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 102: gSPrd.fctrOthermortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 103: gSPrd.fctrCreditcard has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 104: gSPrd.fctrConventionaladjustablemortgage(ARM) has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 105: gSPrd.fctrOtherbankproduct/service has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 106: gSPrd.fctrNon-federalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 107: gSPrd.fctrFHAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 108: gSPrd.fctr(CD)Certificateofdeposit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 109: gSPrd.fctrHomeequityloanorlineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 110: gSPrd.fctrVehiclelease has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 111: gSPrd.fctrSavingsaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 112: gSPrd.fctrFederalstudentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 113: gSPrd.fctrMortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 114: gSPrd.fctrReversemortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 115: gSPrd.fctrAuto has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 116: gSPrd.fctrInstallmentloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 117: gSPrd.fctrMedical has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 118: gSPrd.fctrVAmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 119: gSPrd.fctrDomestic(US)moneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 120: gSPrd.fctrInternationalmoneytransfer has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 121: gSPrd.fctrPersonallineofcredit has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 122: gSPrd.fctrSecondmortgage has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 123: gSPrd.fctrCashingacheckwithoutanaccount has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 124: gSPrd.fctrPaydayloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 125: gSPrd.fctrCheckcashing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 130: gSPrd.fctrTitleloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 131: gSPrd.fctrForeigncurrencyexchange has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 132: gSPrd.fctrRefundanticipationcheck has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 133: gSPrd.fctrDebtsettlement has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 136: gSPrd.fctrCreditrepair has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 137: gSPrd.fctrPawnloan has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 138: gSPrd.fctrMoneyorder has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 139: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 140: gSPrd.fctrFederalstudentloanservicing has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 145: gSPrd.fctrVehicleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 146: gSPrd.fctrCheckingaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 147: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 148: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 149: gSPrd.fctrIdonotknow:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 150: gSPrd.fctr:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 151: gSPrd.fctrOthermortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 152: gSPrd.fctrCreditcard:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 153:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 154: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 155: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 156: gSPrd.fctrFHAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 157: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 158: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 159: gSPrd.fctrVehiclelease:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 160: gSPrd.fctrSavingsaccount:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 161: gSPrd.fctrFederalstudentloan:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 162: gSPrd.fctrMortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 163: gSPrd.fctrReversemortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 164: gSPrd.fctrAuto:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 165: gSPrd.fctrInstallmentloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 166: gSPrd.fctrMedical:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 167: gSPrd.fctrVAmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 168: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 169: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 170: gSPrd.fctrPersonallineofcredit:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 171: gSPrd.fctrSecondmortgage:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 172: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 173: gSPrd.fctrPaydayloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 174: gSPrd.fctrCheckcashing:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 179: gSPrd.fctrTitleloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 180: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 181: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 182: gSPrd.fctrDebtsettlement:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 185: gSPrd.fctrCreditrepair:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 186: gSPrd.fctrPawnloan:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 187: gSPrd.fctrMoneyorder:.clusterid.fctr2 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 188: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 189: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 191: gSPrd.fctrVehicleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 192: gSPrd.fctrCheckingaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 193: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 194: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 195: gSPrd.fctrIdonotknow:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 196: gSPrd.fctr:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 197: gSPrd.fctrOthermortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 198: gSPrd.fctrCreditcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 199:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 200: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 201: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 202: gSPrd.fctrFHAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 203: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 204: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 205: gSPrd.fctrVehiclelease:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 206: gSPrd.fctrSavingsaccount:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 207: gSPrd.fctrFederalstudentloan:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 208: gSPrd.fctrMortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 209: gSPrd.fctrReversemortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 210: gSPrd.fctrAuto:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 211: gSPrd.fctrInstallmentloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 212: gSPrd.fctrMedical:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 213: gSPrd.fctrVAmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 214: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 215: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 216: gSPrd.fctrPersonallineofcredit:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 217: gSPrd.fctrSecondmortgage:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 218: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 219: gSPrd.fctrPaydayloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 220: gSPrd.fctrCheckcashing:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 222: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 225: gSPrd.fctrTitleloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 226: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 227: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 228: gSPrd.fctrDebtsettlement:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 229: gSPrd.fctrPayrollcard:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 231: gSPrd.fctrCreditrepair:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 232: gSPrd.fctrPawnloan:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 233: gSPrd.fctrMoneyorder:.clusterid.fctr3 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 234: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 235: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 237: gSPrd.fctrVehicleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 238: gSPrd.fctrCheckingaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 239: gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 240: gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 241: gSPrd.fctrIdonotknow:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 242: gSPrd.fctr:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 243: gSPrd.fctrOthermortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 244: gSPrd.fctrCreditcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1,
## 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, : variable 245:
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 246: gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 247: gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 248: gSPrd.fctrFHAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 249: gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 250: gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 251: gSPrd.fctrVehiclelease:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 252: gSPrd.fctrSavingsaccount:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 253: gSPrd.fctrFederalstudentloan:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 254: gSPrd.fctrMortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 255: gSPrd.fctrReversemortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 256: gSPrd.fctrAuto:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 257: gSPrd.fctrInstallmentloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 258: gSPrd.fctrMedical:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 259: gSPrd.fctrVAmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 260: gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 261: gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 262: gSPrd.fctrPersonallineofcredit:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 263: gSPrd.fctrSecondmortgage:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 264: gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 265: gSPrd.fctrPaydayloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 266: gSPrd.fctrCheckcashing:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 267: gSPrd.fctrMobilewallet:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 268: gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4 has
## no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 269: gSPrd.fctrGiftormerchantcard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
## 1, : variable 270: gSPrd.fctrGeneralpurposecard:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 271: gSPrd.fctrTitleloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 272: gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 273: gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 274: gSPrd.fctrDebtsettlement:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 275: gSPrd.fctrPayrollcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 276: gSPrd.fctrIDprepaidcard:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 277: gSPrd.fctrCreditrepair:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 278: gSPrd.fctrPawnloan:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 279: gSPrd.fctrMoneyorder:.clusterid.fctr4 has no variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 280: gSPrd.fctrTraveler<U+2019>s/Cashier<U+2019>schecks:.clusterid.fctr4 has no
## variation.
## Warning in gbm.fit(x = structure(c(2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, :
## variable 281: gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4 has no
## variation.

## Iter   TrainDeviance   ValidDeviance   StepSize   Improve
##      1        1.1349             nan     0.1000    0.0091
##      2        1.1131             nan     0.1000    0.0096
##      3        1.0984             nan     0.1000    0.0049
##      4        1.0849             nan     0.1000    0.0059
##      5        1.0733             nan     0.1000    0.0031
##      6        1.0595             nan     0.1000    0.0047
##      7        1.0458             nan     0.1000    0.0045
##      8        1.0350             nan     0.1000    0.0019
##      9        1.0280             nan     0.1000    0.0008
##     10        1.0216             nan     0.1000    0.0015
##     20        0.9678             nan     0.1000    0.0006
##     40        0.9041             nan     0.1000   -0.0011
##     50        0.8793             nan     0.1000   -0.0011
## 
## [1] "myfit_mdl: train complete: 106.887000 secs"
## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter: n.trees
## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter:
## interaction.depth
## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter: shrinkage
## Warning in myfit_mdl(mdl_specs_lst = thsRslSpc, indepVar = mdlIndepVar, :
## model's bestTune found at an extreme of tuneGrid for parameter:
## n.minobsinnode

##                                                                                                                                                     var
## Datereceived.last32.log1p                                                                                                     Datereceived.last32.log1p
## Datereceived.juliandate                                                                                                         Datereceived.juliandate
## .rnorm                                                                                                                                           .rnorm
## gCompany.fctrAmex                                                                                                                     gCompany.fctrAmex
## Response.fctrClosedwithmonetaryrelief                                                                             Response.fctrClosedwithmonetaryrelief
## Datereceived.last2.log1p                                                                                                       Datereceived.last2.log1p
## Datereceived.last16.log1p                                                                                                     Datereceived.last16.log1p
## Response.fctrClosedwithnon-monetaryrelief                                                                     Response.fctrClosedwithnon-monetaryrelief
## Datereceived.month.fctr05                                                                                                     Datereceived.month.fctr05
## Datereceived.last4.log1p                                                                                                       Datereceived.last4.log1p
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                                             gCompany.fctrNetSpendCorporation,aTSYSCompany
## Datereceived.year.fctr2016                                                                                                   Datereceived.year.fctr2016
## Sent.Recd.Dys.nexp                                                                                                                   Sent.Recd.Dys.nexp
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                                                     gCompany.fctrBlackhawkNetworkHoldingsInc.
## Sent.Recd.Dys                                                                                                                             Sent.Recd.Dys
## Channel.fctrPhone                                                                                                                     Channel.fctrPhone
## Rgn.Dvn.fctrWT#Pacific                                                                                                           Rgn.Dvn.fctrWT#Pacific
## gCompany.fctrOther                                                                                                                   gCompany.fctrOther
## gSPrd.fctrGeneralpurposecard                                                                                               gSPrd.fctrGeneralpurposecard
## Datereceived.wkend                                                                                                                   Datereceived.wkend
## Datereceived.date.fctr(19,25]                                                                                             Datereceived.date.fctr(19,25]
## gTags.fctrServicemember                                                                                                         gTags.fctrServicemember
## Datereceived.wkday.fctr1                                                                                                       Datereceived.wkday.fctr1
## Datereceived.year.fctr2015                                                                                                   Datereceived.year.fctr2015
## gCConsent.fctrOther                                                                                                                 gCConsent.fctrOther
## gCConsent.fctrConsentnotprovided                                                                                       gCConsent.fctrConsentnotprovided
## Datereceived.wkday.fctr4                                                                                                       Datereceived.wkday.fctr4
## gTags.fctrOlderAmerican                                                                                                         gTags.fctrOlderAmerican
## Datereceived.month.fctr08                                                                                                     Datereceived.month.fctr08
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr3
## Datereceived.month.fctr06                                                                                                     Datereceived.month.fctr06
## gSPrd.fctrMobilewallet                                                                                                           gSPrd.fctrMobilewallet
## Channel.fctrReferral                                                                                                               Channel.fctrReferral
## Rgn.Dvn.fctrMW#WestNorthCentral                                                                                         Rgn.Dvn.fctrMW#WestNorthCentral
## Channel.fctrPostalmail                                                                                                           Channel.fctrPostalmail
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard                                                                                               gSPrd.fctrGiftormerchantcard
## Datereceived.date.fctr(7,13]                                                                                               Datereceived.date.fctr(7,13]
## Datereceived.month.fctr03                                                                                                     Datereceived.month.fctr03
## Datereceived.month.fctr02                                                                                                     Datereceived.month.fctr02
## Datereceived.last8.log1p                                                                                                       Datereceived.last8.log1p
## gCompany.fctrU.S.Bancorp                                                                                                       gCompany.fctrU.S.Bancorp
## Datereceived.month.fctr07                                                                                                     Datereceived.month.fctr07
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                                                   Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland
## gCompany.fctrComerica                                                                                                             gCompany.fctrComerica
## Rgn.Dvn.fctrSH#EastSouthCentral                                                                                         Rgn.Dvn.fctrSH#EastSouthCentral
## .clusterid                                                                                                                                   .clusterid
## Datereceived.date.fctr(13,19]                                                                                             Datereceived.date.fctr(13,19]
## gSPrd.fctrPayrollcard                                                                                                             gSPrd.fctrPayrollcard
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2
## Datereceived.month.fctr11                                                                                                     Datereceived.month.fctr11
## Datereceived.wkday.fctr5                                                                                                       Datereceived.wkday.fctr5
## Channel.fctrFax                                                                                                                         Channel.fctrFax
## Datereceived.date.fctr(25,31]                                                                                             Datereceived.date.fctr(25,31]
## Datereceived.month.fctr04                                                                                                     Datereceived.month.fctr04
## Datereceived.month.fctr09                                                                                                     Datereceived.month.fctr09
## Datereceived.month.fctr10                                                                                                     Datereceived.month.fctr10
## Datereceived.month.fctr12                                                                                                     Datereceived.month.fctr12
## Datereceived.wkday.fctr2                                                                                                       Datereceived.wkday.fctr2
## Datereceived.wkday.fctr3                                                                                                       Datereceived.wkday.fctr3
## Datereceived.wkday.fctr6                                                                                                       Datereceived.wkday.fctr6
## Datesenttocompany.date.fctr(7,13]                                                                                     Datesenttocompany.date.fctr(7,13]
## Datesenttocompany.date.fctr(13,19]                                                                                   Datesenttocompany.date.fctr(13,19]
## Datesenttocompany.date.fctr(19,25]                                                                                   Datesenttocompany.date.fctr(19,25]
## Datesenttocompany.date.fctr(25,31]                                                                                   Datesenttocompany.date.fctr(25,31]
## Datesenttocompany.juliandate                                                                                               Datesenttocompany.juliandate
## Datesenttocompany.last16.log1p                                                                                           Datesenttocompany.last16.log1p
## Datesenttocompany.last2.log1p                                                                                             Datesenttocompany.last2.log1p
## Datesenttocompany.last32.log1p                                                                                           Datesenttocompany.last32.log1p
## Datesenttocompany.last4.log1p                                                                                             Datesenttocompany.last4.log1p
## Datesenttocompany.last8.log1p                                                                                             Datesenttocompany.last8.log1p
## Datesenttocompany.month.fctr02                                                                                           Datesenttocompany.month.fctr02
## Datesenttocompany.month.fctr03                                                                                           Datesenttocompany.month.fctr03
## Datesenttocompany.month.fctr04                                                                                           Datesenttocompany.month.fctr04
## Datesenttocompany.month.fctr05                                                                                           Datesenttocompany.month.fctr05
## Datesenttocompany.month.fctr06                                                                                           Datesenttocompany.month.fctr06
## Datesenttocompany.month.fctr07                                                                                           Datesenttocompany.month.fctr07
## Datesenttocompany.month.fctr08                                                                                           Datesenttocompany.month.fctr08
## Datesenttocompany.month.fctr09                                                                                           Datesenttocompany.month.fctr09
## Datesenttocompany.month.fctr10                                                                                           Datesenttocompany.month.fctr10
## Datesenttocompany.month.fctr11                                                                                           Datesenttocompany.month.fctr11
## Datesenttocompany.month.fctr12                                                                                           Datesenttocompany.month.fctr12
## Datesenttocompany.wkday.fctr1                                                                                             Datesenttocompany.wkday.fctr1
## Datesenttocompany.wkday.fctr2                                                                                             Datesenttocompany.wkday.fctr2
## Datesenttocompany.wkday.fctr3                                                                                             Datesenttocompany.wkday.fctr3
## Datesenttocompany.wkday.fctr4                                                                                             Datesenttocompany.wkday.fctr4
## Datesenttocompany.wkday.fctr5                                                                                             Datesenttocompany.wkday.fctr5
## Datesenttocompany.wkday.fctr6                                                                                             Datesenttocompany.wkday.fctr6
## Datesenttocompany.wkend                                                                                                         Datesenttocompany.wkend
## Datesenttocompany.year.fctr2015                                                                                         Datesenttocompany.year.fctr2015
## Datesenttocompany.year.fctr2016                                                                                         Datesenttocompany.year.fctr2016
## Response.fctrClosed                                                                                                                 Response.fctrClosed
## Response.fctrInprogress                                                                                                         Response.fctrInprogress
## Response.fctrUntimelyresponse                                                                                             Response.fctrUntimelyresponse
## Rgn.Dvn.fctrMW#EastNorthCentral                                                                                         Rgn.Dvn.fctrMW#EastNorthCentral
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                                                 Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic
## Rgn.Dvn.fctrOT#Other                                                                                                               Rgn.Dvn.fctrOT#Other
## Rgn.Dvn.fctrSH#WestSouthCentral                                                                                         Rgn.Dvn.fctrSH#WestSouthCentral
## Rgn.Dvn.fctrWT#Mountain                                                                                                         Rgn.Dvn.fctrWT#Mountain
## Sent.Recd.Dys.log1p                                                                                                                 Sent.Recd.Dys.log1p
## Sent.Recd.Dys.root2                                                                                                                 Sent.Recd.Dys.root2
## gCConsent.fctrConsentprovided                                                                                             gCConsent.fctrConsentprovided
## gCompany.fctrCitibank                                                                                                             gCompany.fctrCitibank
## gCompany.fctrPayPalHoldings,Inc.                                                                                       gCompany.fctrPayPalHoldings,Inc.
## gSPrd.fctrVehicleloan                                                                                                             gSPrd.fctrVehicleloan
## gSPrd.fctrCheckingaccount                                                                                                     gSPrd.fctrCheckingaccount
## gSPrd.fctrConventionalfixedmortgage                                                                                 gSPrd.fctrConventionalfixedmortgage
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                                                   gSPrd.fctrOther(i.e.phone,healthclub,etc.)
## gSPrd.fctrIdonotknow                                                                                                               gSPrd.fctrIdonotknow
## gSPrd.fctr                                                                                                                                   gSPrd.fctr
## gSPrd.fctrOthermortgage                                                                                                         gSPrd.fctrOthermortgage
## gSPrd.fctrCreditcard                                                                                                               gSPrd.fctrCreditcard
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                                             gSPrd.fctrConventionaladjustablemortgage(ARM)
## gSPrd.fctrOtherbankproduct/service                                                                                   gSPrd.fctrOtherbankproduct/service
## gSPrd.fctrNon-federalstudentloan                                                                                       gSPrd.fctrNon-federalstudentloan
## gSPrd.fctrFHAmortgage                                                                                                             gSPrd.fctrFHAmortgage
## gSPrd.fctr(CD)Certificateofdeposit                                                                                   gSPrd.fctr(CD)Certificateofdeposit
## gSPrd.fctrHomeequityloanorlineofcredit                                                                           gSPrd.fctrHomeequityloanorlineofcredit
## gSPrd.fctrVehiclelease                                                                                                           gSPrd.fctrVehiclelease
## gSPrd.fctrSavingsaccount                                                                                                       gSPrd.fctrSavingsaccount
## gSPrd.fctrFederalstudentloan                                                                                               gSPrd.fctrFederalstudentloan
## gSPrd.fctrMortgage                                                                                                                   gSPrd.fctrMortgage
## gSPrd.fctrReversemortgage                                                                                                     gSPrd.fctrReversemortgage
## gSPrd.fctrAuto                                                                                                                           gSPrd.fctrAuto
## gSPrd.fctrInstallmentloan                                                                                                     gSPrd.fctrInstallmentloan
## gSPrd.fctrMedical                                                                                                                     gSPrd.fctrMedical
## gSPrd.fctrVAmortgage                                                                                                               gSPrd.fctrVAmortgage
## gSPrd.fctrDomestic(US)moneytransfer                                                                                 gSPrd.fctrDomestic(US)moneytransfer
## gSPrd.fctrInternationalmoneytransfer                                                                               gSPrd.fctrInternationalmoneytransfer
## gSPrd.fctrPersonallineofcredit                                                                                           gSPrd.fctrPersonallineofcredit
## gSPrd.fctrSecondmortgage                                                                                                       gSPrd.fctrSecondmortgage
## gSPrd.fctrCashingacheckwithoutanaccount                                                                         gSPrd.fctrCashingacheckwithoutanaccount
## gSPrd.fctrPaydayloan                                                                                                               gSPrd.fctrPaydayloan
## gSPrd.fctrCheckcashing                                                                                                           gSPrd.fctrCheckcashing
## gSPrd.fctrGovernmentbenefitpaymentcard                                                                           gSPrd.fctrGovernmentbenefitpaymentcard
## gSPrd.fctrTitleloan                                                                                                                 gSPrd.fctrTitleloan
## gSPrd.fctrForeigncurrencyexchange                                                                                     gSPrd.fctrForeigncurrencyexchange
## gSPrd.fctrRefundanticipationcheck                                                                                     gSPrd.fctrRefundanticipationcheck
## gSPrd.fctrDebtsettlement                                                                                                       gSPrd.fctrDebtsettlement
## gSPrd.fctrIDprepaidcard                                                                                                         gSPrd.fctrIDprepaidcard
## gSPrd.fctrCreditrepair                                                                                                           gSPrd.fctrCreditrepair
## gSPrd.fctrPawnloan                                                                                                                   gSPrd.fctrPawnloan
## gSPrd.fctrMoneyorder                                                                                                               gSPrd.fctrMoneyorder
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                                   gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks
## gSPrd.fctrFederalstudentloanservicing                                                                             gSPrd.fctrFederalstudentloanservicing
## gTags.fctrOlderAmericanServicemember                                                                               gTags.fctrOlderAmericanServicemember
## gSPrd.fctrOther:.clusterid.fctr2                                                                                       gSPrd.fctrOther:.clusterid.fctr2
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr2
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr2
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr2
## gSPrd.fctr:.clusterid.fctr2                                                                                                 gSPrd.fctr:.clusterid.fctr2
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr2
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                                             gSPrd.fctrCreditcard:.clusterid.fctr2
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr2
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr2
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr2
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr2
## gSPrd.fctrMortgage:.clusterid.fctr2                                                                                 gSPrd.fctrMortgage:.clusterid.fctr2
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr2
## gSPrd.fctrAuto:.clusterid.fctr2                                                                                         gSPrd.fctrAuto:.clusterid.fctr2
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr2
## gSPrd.fctrMedical:.clusterid.fctr2                                                                                   gSPrd.fctrMedical:.clusterid.fctr2
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr2
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr2
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr2
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr2
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr2
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr2
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr2
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr2
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                                               gSPrd.fctrTitleloan:.clusterid.fctr2
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr2
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr2
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr2
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr2
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr2
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr2
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2
## gSPrd.fctrOther:.clusterid.fctr3                                                                                       gSPrd.fctrOther:.clusterid.fctr3
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr3
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr3
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr3
## gSPrd.fctr:.clusterid.fctr3                                                                                                 gSPrd.fctr:.clusterid.fctr3
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr3
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                                             gSPrd.fctrCreditcard:.clusterid.fctr3
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr3
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr3
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr3
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr3
## gSPrd.fctrMortgage:.clusterid.fctr3                                                                                 gSPrd.fctrMortgage:.clusterid.fctr3
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr3
## gSPrd.fctrAuto:.clusterid.fctr3                                                                                         gSPrd.fctrAuto:.clusterid.fctr3
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr3
## gSPrd.fctrMedical:.clusterid.fctr3                                                                                   gSPrd.fctrMedical:.clusterid.fctr3
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr3
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr3
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr3
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr3
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr3
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr3
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                                               gSPrd.fctrTitleloan:.clusterid.fctr3
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr3
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr3
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr3
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr3
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr3
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr3
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3
## gSPrd.fctrOther:.clusterid.fctr4                                                                                       gSPrd.fctrOther:.clusterid.fctr4
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                                           gSPrd.fctrVehicleloan:.clusterid.fctr4
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                                                   gSPrd.fctrCheckingaccount:.clusterid.fctr4
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                               gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                                 gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                                             gSPrd.fctrIdonotknow:.clusterid.fctr4
## gSPrd.fctr:.clusterid.fctr4                                                                                                 gSPrd.fctr:.clusterid.fctr4
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                                                       gSPrd.fctrOthermortgage:.clusterid.fctr4
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                                             gSPrd.fctrCreditcard:.clusterid.fctr4
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                           gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                                 gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                                     gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                                           gSPrd.fctrFHAmortgage:.clusterid.fctr4
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                                 gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                                         gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                                                         gSPrd.fctrVehiclelease:.clusterid.fctr4
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                                                     gSPrd.fctrSavingsaccount:.clusterid.fctr4
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                                             gSPrd.fctrFederalstudentloan:.clusterid.fctr4
## gSPrd.fctrMortgage:.clusterid.fctr4                                                                                 gSPrd.fctrMortgage:.clusterid.fctr4
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                                                   gSPrd.fctrReversemortgage:.clusterid.fctr4
## gSPrd.fctrAuto:.clusterid.fctr4                                                                                         gSPrd.fctrAuto:.clusterid.fctr4
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                                                   gSPrd.fctrInstallmentloan:.clusterid.fctr4
## gSPrd.fctrMedical:.clusterid.fctr4                                                                                   gSPrd.fctrMedical:.clusterid.fctr4
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                                             gSPrd.fctrVAmortgage:.clusterid.fctr4
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                               gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                             gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                                         gSPrd.fctrPersonallineofcredit:.clusterid.fctr4
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                                                     gSPrd.fctrSecondmortgage:.clusterid.fctr4
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                                       gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                                             gSPrd.fctrPaydayloan:.clusterid.fctr4
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                                                         gSPrd.fctrCheckcashing:.clusterid.fctr4
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                                                         gSPrd.fctrMobilewallet:.clusterid.fctr4
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                                         gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                                             gSPrd.fctrGiftormerchantcard:.clusterid.fctr4
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                                             gSPrd.fctrGeneralpurposecard:.clusterid.fctr4
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                                               gSPrd.fctrTitleloan:.clusterid.fctr4
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                                   gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                                   gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                                                     gSPrd.fctrDebtsettlement:.clusterid.fctr4
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                                           gSPrd.fctrPayrollcard:.clusterid.fctr4
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                                                       gSPrd.fctrIDprepaidcard:.clusterid.fctr4
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                                                         gSPrd.fctrCreditrepair:.clusterid.fctr4
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                                                 gSPrd.fctrPawnloan:.clusterid.fctr4
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                                             gSPrd.fctrMoneyorder:.clusterid.fctr4
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4 gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                           gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4
##                                                                                rel.inf
## Datereceived.last32.log1p                                                   12.0813181
## Datereceived.juliandate                                                     10.8062703
## .rnorm                                                                       9.9432215
## gCompany.fctrAmex                                                            6.2723642
## Response.fctrClosedwithmonetaryrelief                                        6.0934757
## Datereceived.last2.log1p                                                     4.6720804
## Datereceived.last16.log1p                                                    4.5443144
## Response.fctrClosedwithnon-monetaryrelief                                    3.8103334
## Datereceived.month.fctr05                                                    3.7951221
## Datereceived.last4.log1p                                                     3.3176112
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                2.5255388
## Datereceived.year.fctr2016                                                   2.5189883
## Sent.Recd.Dys.nexp                                                           2.4988370
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                    1.9181575
## Sent.Recd.Dys                                                                1.8077052
## Channel.fctrPhone                                                            1.7562150
## Rgn.Dvn.fctrWT#Pacific                                                       1.4247874
## gCompany.fctrOther                                                           1.3340080
## gSPrd.fctrGeneralpurposecard                                                 1.1987168
## Datereceived.wkend                                                           1.1612864
## Datereceived.date.fctr(19,25]                                                1.0867695
## gTags.fctrServicemember                                                      1.0741658
## Datereceived.wkday.fctr1                                                     1.0355601
## Datereceived.year.fctr2015                                                   1.0323649
## gCConsent.fctrOther                                                          1.0025328
## gCConsent.fctrConsentnotprovided                                             0.8338245
## Datereceived.wkday.fctr4                                                     0.8020468
## gTags.fctrOlderAmerican                                                      0.7580958
## Datereceived.month.fctr08                                                    0.6876998
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                0.6575175
## Datereceived.month.fctr06                                                    0.6036871
## gSPrd.fctrMobilewallet                                                       0.5309015
## Channel.fctrReferral                                                         0.5080330
## Rgn.Dvn.fctrMW#WestNorthCentral                                              0.4663614
## Channel.fctrPostalmail                                                       0.4656484
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                      0.4434833
## gSPrd.fctrGiftormerchantcard                                                 0.4382774
## Datereceived.date.fctr(7,13]                                                 0.3813749
## Datereceived.month.fctr03                                                    0.3670612
## Datereceived.month.fctr02                                                    0.3393461
## Datereceived.last8.log1p                                                     0.3375075
## gCompany.fctrU.S.Bancorp                                                     0.3311003
## Datereceived.month.fctr07                                                    0.3221097
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                   0.3086314
## gCompany.fctrComerica                                                        0.2712452
## Rgn.Dvn.fctrSH#EastSouthCentral                                              0.2637849
## .clusterid                                                                   0.2495385
## Datereceived.date.fctr(13,19]                                                0.2090720
## gSPrd.fctrPayrollcard                                                        0.1922940
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                      0.1816395
## Datereceived.month.fctr11                                                    0.1772361
## Datereceived.wkday.fctr5                                                     0.1607373
## Channel.fctrFax                                                              0.0000000
## Datereceived.date.fctr(25,31]                                                0.0000000
## Datereceived.month.fctr04                                                    0.0000000
## Datereceived.month.fctr09                                                    0.0000000
## Datereceived.month.fctr10                                                    0.0000000
## Datereceived.month.fctr12                                                    0.0000000
## Datereceived.wkday.fctr2                                                     0.0000000
## Datereceived.wkday.fctr3                                                     0.0000000
## Datereceived.wkday.fctr6                                                     0.0000000
## Datesenttocompany.date.fctr(7,13]                                            0.0000000
## Datesenttocompany.date.fctr(13,19]                                           0.0000000
## Datesenttocompany.date.fctr(19,25]                                           0.0000000
## Datesenttocompany.date.fctr(25,31]                                           0.0000000
## Datesenttocompany.juliandate                                                 0.0000000
## Datesenttocompany.last16.log1p                                               0.0000000
## Datesenttocompany.last2.log1p                                                0.0000000
## Datesenttocompany.last32.log1p                                               0.0000000
## Datesenttocompany.last4.log1p                                                0.0000000
## Datesenttocompany.last8.log1p                                                0.0000000
## Datesenttocompany.month.fctr02                                               0.0000000
## Datesenttocompany.month.fctr03                                               0.0000000
## Datesenttocompany.month.fctr04                                               0.0000000
## Datesenttocompany.month.fctr05                                               0.0000000
## Datesenttocompany.month.fctr06                                               0.0000000
## Datesenttocompany.month.fctr07                                               0.0000000
## Datesenttocompany.month.fctr08                                               0.0000000
## Datesenttocompany.month.fctr09                                               0.0000000
## Datesenttocompany.month.fctr10                                               0.0000000
## Datesenttocompany.month.fctr11                                               0.0000000
## Datesenttocompany.month.fctr12                                               0.0000000
## Datesenttocompany.wkday.fctr1                                                0.0000000
## Datesenttocompany.wkday.fctr2                                                0.0000000
## Datesenttocompany.wkday.fctr3                                                0.0000000
## Datesenttocompany.wkday.fctr4                                                0.0000000
## Datesenttocompany.wkday.fctr5                                                0.0000000
## Datesenttocompany.wkday.fctr6                                                0.0000000
## Datesenttocompany.wkend                                                      0.0000000
## Datesenttocompany.year.fctr2015                                              0.0000000
## Datesenttocompany.year.fctr2016                                              0.0000000
## Response.fctrClosed                                                          0.0000000
## Response.fctrInprogress                                                      0.0000000
## Response.fctrUntimelyresponse                                                0.0000000
## Rgn.Dvn.fctrMW#EastNorthCentral                                              0.0000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                  0.0000000
## Rgn.Dvn.fctrOT#Other                                                         0.0000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                              0.0000000
## Rgn.Dvn.fctrWT#Mountain                                                      0.0000000
## Sent.Recd.Dys.log1p                                                          0.0000000
## Sent.Recd.Dys.root2                                                          0.0000000
## gCConsent.fctrConsentprovided                                                0.0000000
## gCompany.fctrCitibank                                                        0.0000000
## gCompany.fctrPayPalHoldings,Inc.                                             0.0000000
## gSPrd.fctrVehicleloan                                                        0.0000000
## gSPrd.fctrCheckingaccount                                                    0.0000000
## gSPrd.fctrConventionalfixedmortgage                                          0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                   0.0000000
## gSPrd.fctrIdonotknow                                                         0.0000000
## gSPrd.fctr                                                                   0.0000000
## gSPrd.fctrOthermortgage                                                      0.0000000
## gSPrd.fctrCreditcard                                                         0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                0.0000000
## gSPrd.fctrOtherbankproduct/service                                           0.0000000
## gSPrd.fctrNon-federalstudentloan                                             0.0000000
## gSPrd.fctrFHAmortgage                                                        0.0000000
## gSPrd.fctr(CD)Certificateofdeposit                                           0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit                                       0.0000000
## gSPrd.fctrVehiclelease                                                       0.0000000
## gSPrd.fctrSavingsaccount                                                     0.0000000
## gSPrd.fctrFederalstudentloan                                                 0.0000000
## gSPrd.fctrMortgage                                                           0.0000000
## gSPrd.fctrReversemortgage                                                    0.0000000
## gSPrd.fctrAuto                                                               0.0000000
## gSPrd.fctrInstallmentloan                                                    0.0000000
## gSPrd.fctrMedical                                                            0.0000000
## gSPrd.fctrVAmortgage                                                         0.0000000
## gSPrd.fctrDomestic(US)moneytransfer                                          0.0000000
## gSPrd.fctrInternationalmoneytransfer                                         0.0000000
## gSPrd.fctrPersonallineofcredit                                               0.0000000
## gSPrd.fctrSecondmortgage                                                     0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount                                      0.0000000
## gSPrd.fctrPaydayloan                                                         0.0000000
## gSPrd.fctrCheckcashing                                                       0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                       0.0000000
## gSPrd.fctrTitleloan                                                          0.0000000
## gSPrd.fctrForeigncurrencyexchange                                            0.0000000
## gSPrd.fctrRefundanticipationcheck                                            0.0000000
## gSPrd.fctrDebtsettlement                                                     0.0000000
## gSPrd.fctrIDprepaidcard                                                      0.0000000
## gSPrd.fctrCreditrepair                                                       0.0000000
## gSPrd.fctrPawnloan                                                           0.0000000
## gSPrd.fctrMoneyorder                                                         0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                   0.0000000
## gSPrd.fctrFederalstudentloanservicing                                        0.0000000
## gTags.fctrOlderAmericanServicemember                                         0.0000000
## gSPrd.fctrOther:.clusterid.fctr2                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                        0.0000000
## gSPrd.fctr:.clusterid.fctr2                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr2                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr2                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr3                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                        0.0000000
## gSPrd.fctr:.clusterid.fctr3                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr3                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr3                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                       0.0000000
## gSPrd.fctrOther:.clusterid.fctr4                                             0.0000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                         0.0000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                  0.0000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                        0.0000000
## gSPrd.fctr:.clusterid.fctr4                                                  0.0000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4               0.0000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                          0.0000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                            0.0000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                       0.0000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                          0.0000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                      0.0000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                0.0000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrAuto:.clusterid.fctr4                                              0.0000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                   0.0000000
## gSPrd.fctrMedical:.clusterid.fctr4                                           0.0000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                         0.0000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                        0.0000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                              0.0000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                     0.0000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                      0.0000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                0.0000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                         0.0000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                           0.0000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                           0.0000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                    0.0000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                       0.0000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                     0.0000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                      0.0000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                          0.0000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                        0.0000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4  0.0000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                       0.0000000
## [1] "myfit_mdl: train diagnostics complete: 107.339000 secs"

##          Prediction
## Reference   N   Y
##         N 932 286
##         Y 108 329
##       Accuracy          Kappa  AccuracyLower  AccuracyUpper   AccuracyNull 
##   7.619335e-01   4.582111e-01   7.406583e-01   7.822756e-01   7.359517e-01 
## AccuracyPValue  McnemarPValue 
##   8.394006e-03   4.785228e-19 
## [1] "myfit_mdl: predict complete: 110.384000 secs"
##                   id
## 1 Trn.All.X##rcv#gbm
##                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     feats
## 1 Datereceived.last8.log1p,Datesenttocompany.last8.log1p,Datereceived.last4.log1p,Datesenttocompany.last4.log1p,Datereceived.last2.log1p,Datesenttocompany.last2.log1p,Datereceived.last16.log1p,Datesenttocompany.last16.log1p,Datereceived.last32.log1p,Datesenttocompany.last32.log1p,gCompany.fctr,gTags.fctr,Sent.Recd.Dys.nexp,Rgn.Dvn.fctr,Datereceived.year.fctr,Datesenttocompany.year.fctr,Datereceived.wkday.fctr,Datesenttocompany.wkday.fctr,gCConsent.fctr,.rnorm,Datereceived.wkend,Datesenttocompany.wkend,Channel.fctr,gSPrd.fctr,.clusterid,Datereceived.month.fctr,Datesenttocompany.month.fctr,Datereceived.juliandate,Datesenttocompany.juliandate,Datereceived.date.fctr,Datesenttocompany.date.fctr,Sent.Recd.Dys,Sent.Recd.Dys.root2,Sent.Recd.Dys.log1p,Response.fctr,gSPrd.fctr:.clusterid.fctr
##   max.nTuningRuns min.elapsedtime.everything min.elapsedtime.final
## 1              25                     106.25                 1.604
##   max.AUCpROC.fit max.Sens.fit max.Spec.fit max.AUCROCR.fit
## 1       0.6454921    0.9729064    0.3180778       0.8376535
##   opt.prob.threshold.fit max.f.score.fit max.Accuracy.fit
## 1                    0.3       0.6254753        0.7557051
##   max.AccuracyLower.fit max.AccuracyUpper.fit max.Kappa.fit
## 1             0.7406583             0.7822756     0.2101723
##   min.log.loss.mean.fit max.AccuracySD.fit max.KappaSD.fit
## 1             0.4396345         0.02395389      0.08216857
## [1] "myfit_mdl: exit: 110.403000 secs"
##               label step_major step_minor label_minor     bgn     end
## 6 fit.data.training          3          0           0 357.211 474.422
## 7 fit.data.training          3          1           1 474.423      NA
##   elapsed
## 6 117.211
## 7      NA
#stop(here"); glb2Sav()
if (glb_is_classification && glb_is_binomial) 
    prob_threshold <- glb_models_df[glb_models_df$id == glbMdlSltId,
                                        "opt.prob.threshold.OOB"] else 
    prob_threshold <- NULL

if (grepl("Ensemble", glbMdlFnlNslId)) {
    # Get predictions for each model in ensemble; Outliers that have been moved to OOB might not have been predicted yet
    mdlEnsembleComps <- unlist(str_split(subset(glb_models_df, 
                                                id == glbMdlFnlNslId)$feats, ","))
    if (glb_is_classification)
    #     mdlEnsembleComps <- gsub("\\.prob$", "", mdlEnsembleComps)
    # mdlEnsembleComps <- gsub(paste0("^", 
    #                     gsub(".", "\\.", mygetPredictIds(glb_rsp_var)$value, fixed = TRUE)),
    #                          "", mdlEnsembleComps)
        mdlEnsembleComps <- glb_models_df$id[sapply(glb_models_df$id, function(thsMdlId)
                        mygetPredictIds(glb_rsp_var, thsMdlId)$prob  %in% mdlEnsembleComps)] else
        mdlEnsembleComps <- glb_models_df$id[sapply(glb_models_df$id, function(thsMdlId)
                        mygetPredictIds(glb_rsp_var, thsMdlId)$value  %in% mdlEnsembleComps)]
                        
    for (mdl_id in mdlEnsembleComps) {
        glbObsTrn <- glb_get_predictions(df = glbObsTrn, mdl_id = mdl_id, 
                                            rsp_var = glb_rsp_var,
                                            prob_threshold_def = prob_threshold)
        glbObsNew <- glb_get_predictions(df = glbObsNew, mdl_id = mdl_id, 
                                            rsp_var = glb_rsp_var,
                                            prob_threshold_def = prob_threshold)
        # glbMdlFnlNsl uses the same coefficients as glbMdlSlt, 
        #   so copy the "Final" columns into "non-Final" columns
        glbObsTrn[, gsub("Trn.", "", unlist(mygetPredictIds(glb_rsp_var, mdl_id)))] <-
            glbObsTrn[, unlist(mygetPredictIds(glb_rsp_var, mdl_id))]
        glbObsNew[, gsub("Trn.", "", unlist(mygetPredictIds(glb_rsp_var, mdl_id)))] <-
            glbObsNew[, unlist(mygetPredictIds(glb_rsp_var, mdl_id))]
    }    
}
glbObsTrn <- glb_get_predictions(df = glbObsTrn, mdl_id = glbMdlFnlNslId, 
                                     rsp_var = glb_rsp_var,
                                    prob_threshold_def = prob_threshold)
## Warning in glb_get_predictions(df = glbObsTrn, mdl_id = glbMdlFnlNslId, :
## Using default probability threshold: 0.3
glb_featsimp_df <- myget_feats_importance(mdl=glbMdlFnlNsl,
                                          featsimp_df=glb_featsimp_df)
#glb_featsimp_df[, paste0(glbMdlFnlNslId, ".imp")] <- glb_featsimp_df$imp
print(glb_featsimp_df)
##                                                                             All.X..rcv.gbm.imp
## Datereceived.juliandate                                                             100.000000
## Datereceived.last32.log1p                                                            89.499546
## Datereceived.last16.log1p                                                            39.759143
## .rnorm                                                                               85.888443
## Response.fctrClosedwithmonetaryrelief                                                64.739648
## gCompany.fctrAmex                                                                    64.265558
## Datereceived.last2.log1p                                                             36.863393
## Datereceived.year.fctr2016                                                           22.059658
## Response.fctrClosedwithnon-monetaryrelief                                            14.692593
## Datereceived.month.fctr05                                                            10.084853
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                        12.027730
## Sent.Recd.Dys                                                                        26.340257
## Datereceived.last8.log1p                                                             19.531202
## Rgn.Dvn.fctrWT#Pacific                                                               11.900394
## gTags.fctrServicemember                                                              13.615337
## Datereceived.last4.log1p                                                             36.008294
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                             0.000000
## Channel.fctrPhone                                                                    17.017423
## gCompany.fctrCitibank                                                                12.575585
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                               5.306182
## Datereceived.year.fctr2015                                                            3.703128
## Sent.Recd.Dys.nexp                                                                   17.994161
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                         5.275194
## Datereceived.date.fctr(19,25]                                                         0.000000
## Datereceived.month.fctr06                                                            11.085285
## gSPrd.fctrGiftormerchantcard                                                          2.896061
## Channel.fctrReferral                                                                 10.235198
## Datereceived.wkend                                                                   17.612585
## Datereceived.month.fctr07                                                            26.272074
## gTags.fctrOlderAmerican                                                               0.000000
## Datereceived.month.fctr03                                                             1.577557
## gCConsent.fctrOther                                                                   3.215218
## gSPrd.fctrMobilewallet                                                               10.573221
## Datereceived.month.fctr08                                                             4.283281
## gCompany.fctrOther                                                                    3.790506
## Rgn.Dvn.fctrSH#EastSouthCentral                                                       0.000000
## Datereceived.month.fctr04                                                             0.000000
## Rgn.Dvn.fctrMW#EastNorthCentral                                                       9.479323
## gSPrd.fctrOther:.clusterid.fctr3                                                      0.000000
## Datereceived.date.fctr(25,31]                                                         0.000000
## gCConsent.fctrConsentnotprovided                                                      0.000000
## Datereceived.month.fctr09                                                            10.961811
## Datereceived.date.fctr(7,13]                                                          0.000000
## .clusterid                                                                            0.000000
## gSPrd.fctrGeneralpurposecard                                                          4.571458
## gSPrd.fctrOther:.clusterid.fctr2                                                      6.442215
## Datereceived.wkday.fctr4                                                              2.468843
## Datereceived.wkday.fctr1                                                              0.000000
## Channel.fctrPostalmail                                                                0.000000
## Channel.fctrFax                                                                       0.000000
## Datereceived.date.fctr(13,19]                                                         0.000000
## Datereceived.month.fctr02                                                             0.000000
## Datereceived.month.fctr10                                                             0.000000
## Datereceived.month.fctr11                                                             0.000000
## Datereceived.month.fctr12                                                             0.000000
## Datereceived.wkday.fctr2                                                              0.000000
## Datereceived.wkday.fctr3                                                              0.000000
## Datereceived.wkday.fctr5                                                              0.000000
## Datereceived.wkday.fctr6                                                              0.000000
## Datesenttocompany.date.fctr(13,19]                                                    0.000000
## Datesenttocompany.date.fctr(19,25]                                                    0.000000
## Datesenttocompany.date.fctr(25,31]                                                    0.000000
## Datesenttocompany.date.fctr(7,13]                                                     0.000000
## Datesenttocompany.juliandate                                                          0.000000
## Datesenttocompany.last16.log1p                                                        0.000000
## Datesenttocompany.last2.log1p                                                         0.000000
## Datesenttocompany.last32.log1p                                                        0.000000
## Datesenttocompany.last4.log1p                                                         0.000000
## Datesenttocompany.last8.log1p                                                         0.000000
## Datesenttocompany.month.fctr02                                                        0.000000
## Datesenttocompany.month.fctr03                                                        0.000000
## Datesenttocompany.month.fctr04                                                        0.000000
## Datesenttocompany.month.fctr05                                                        0.000000
## Datesenttocompany.month.fctr06                                                        0.000000
## Datesenttocompany.month.fctr07                                                        0.000000
## Datesenttocompany.month.fctr08                                                        0.000000
## Datesenttocompany.month.fctr09                                                        0.000000
## Datesenttocompany.month.fctr10                                                        0.000000
## Datesenttocompany.month.fctr11                                                        0.000000
## Datesenttocompany.month.fctr12                                                        0.000000
## Datesenttocompany.wkday.fctr1                                                         0.000000
## Datesenttocompany.wkday.fctr2                                                         0.000000
## Datesenttocompany.wkday.fctr3                                                         0.000000
## Datesenttocompany.wkday.fctr4                                                         0.000000
## Datesenttocompany.wkday.fctr5                                                         0.000000
## Datesenttocompany.wkday.fctr6                                                         0.000000
## Datesenttocompany.wkend                                                               0.000000
## Datesenttocompany.year.fctr2015                                                       0.000000
## Datesenttocompany.year.fctr2016                                                       0.000000
## Response.fctrClosed                                                                   0.000000
## Response.fctrInprogress                                                               0.000000
## Response.fctrUntimelyresponse                                                         0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                                       0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                           3.427979
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                            0.000000
## Rgn.Dvn.fctrOT#Other                                                                  0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                                       0.000000
## Rgn.Dvn.fctrWT#Mountain                                                               0.000000
## Sent.Recd.Dys.log1p                                                                   0.000000
## Sent.Recd.Dys.root2                                                                   0.000000
## gCConsent.fctrConsentprovided                                                         4.492026
## gCompany.fctrComerica                                                                 2.561068
## gCompany.fctrPayPalHoldings,Inc.                                                      0.000000
## gCompany.fctrU.S.Bancorp                                                              0.000000
## gSPrd.fctr                                                                            0.000000
## gSPrd.fctr(CD)Certificateofdeposit                                                    0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                   0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                   0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                   0.000000
## gSPrd.fctr:.clusterid.fctr2                                                           0.000000
## gSPrd.fctr:.clusterid.fctr3                                                           0.000000
## gSPrd.fctr:.clusterid.fctr4                                                           0.000000
## gSPrd.fctrAuto                                                                        0.000000
## gSPrd.fctrAuto:.clusterid.fctr2                                                       0.000000
## gSPrd.fctrAuto:.clusterid.fctr3                                                       0.000000
## gSPrd.fctrAuto:.clusterid.fctr4                                                       0.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                               0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                              0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                              0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                              0.000000
## gSPrd.fctrCheckcashing                                                                0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                               0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                               0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                               0.000000
## gSPrd.fctrCheckingaccount                                                             0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                            0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                            0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                            0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                        0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                        0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                        0.000000
## gSPrd.fctrConventionalfixedmortgage                                                   0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                  0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                  0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                  0.000000
## gSPrd.fctrCreditcard                                                                  0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrCreditrepair                                                                0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                               0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                               0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                               0.000000
## gSPrd.fctrDebtsettlement                                                              0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                             0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                             0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                             0.000000
## gSPrd.fctrDomestic(US)moneytransfer                                                   0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                  0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                  0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                  0.000000
## gSPrd.fctrFHAmortgage                                                                 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                0.000000
## gSPrd.fctrFederalstudentloan                                                          0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                         0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                         0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                         0.000000
## gSPrd.fctrFederalstudentloanservicing                                                 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                0.000000
## gSPrd.fctrForeigncurrencyexchange                                                     0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                    0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                    0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                    0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                         0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                                0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                               0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                               0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                               0.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                                0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                               0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                               0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                               0.000000
## gSPrd.fctrIDprepaidcard                                                               1.609088
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                              0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                              0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                              0.000000
## gSPrd.fctrIdonotknow                                                                  0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrInstallmentloan                                                             0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                            0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                            0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                            0.000000
## gSPrd.fctrInternationalmoneytransfer                                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                 0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                 0.000000
## gSPrd.fctrMedical                                                                     0.000000
## gSPrd.fctrMedical:.clusterid.fctr2                                                    0.000000
## gSPrd.fctrMedical:.clusterid.fctr3                                                    0.000000
## gSPrd.fctrMedical:.clusterid.fctr4                                                    0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                               0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                               0.000000
## gSPrd.fctrMoneyorder                                                                  0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrMortgage                                                                    0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrNon-federalstudentloan                                                      0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                     0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                     0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                     0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                            0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                           0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                           0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                           0.000000
## gSPrd.fctrOther:.clusterid.fctr4                                                      0.000000
## gSPrd.fctrOtherbankproduct/service                                                    0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                   0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                   0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                   0.000000
## gSPrd.fctrOthermortgage                                                               0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                              0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                              0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                              0.000000
## gSPrd.fctrPawnloan                                                                    0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrPaydayloan                                                                  0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrPayrollcard                                                                 8.416444
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                0.000000
## gSPrd.fctrPersonallineofcredit                                                        0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                       0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                       0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                       0.000000
## gSPrd.fctrRefundanticipationcheck                                                     0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                    0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                    0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                    0.000000
## gSPrd.fctrReversemortgage                                                             0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                            0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                            0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                            0.000000
## gSPrd.fctrSavingsaccount                                                              0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                             0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                             0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                             0.000000
## gSPrd.fctrSecondmortgage                                                              0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                             0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                             0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                             0.000000
## gSPrd.fctrTitleloan                                                                   0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                            0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2           0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3           0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4           0.000000
## gSPrd.fctrVAmortgage                                                                  0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrVehiclelease                                                                0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                               0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                               0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                               0.000000
## gSPrd.fctrVehicleloan                                                                 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                0.000000
## gTags.fctrOlderAmericanServicemember                                                  0.000000
##                                                                             Trn.All.X...gbm.imp
## Datereceived.juliandate                                                              100.000000
## Datereceived.last32.log1p                                                             64.791163
## Datereceived.last16.log1p                                                             63.368012
## .rnorm                                                                                54.479052
## Response.fctrClosedwithmonetaryrelief                                                 47.121856
## gCompany.fctrAmex                                                                     39.260712
## Datereceived.last2.log1p                                                              32.731839
## Datereceived.year.fctr2016                                                            26.372320
## Response.fctrClosedwithnon-monetaryrelief                                             25.287916
## Datereceived.month.fctr05                                                             23.453439
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                         20.232558
## Sent.Recd.Dys                                                                         18.586459
## Datereceived.last8.log1p                                                              16.104081
## Rgn.Dvn.fctrWT#Pacific                                                                14.652242
## gTags.fctrServicemember                                                               11.728233
## Datereceived.last4.log1p                                                              10.344022
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                             10.265817
## Channel.fctrPhone                                                                     10.063702
## gCompany.fctrCitibank                                                                  8.544567
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                                8.481127
## Datereceived.year.fctr2015                                                             7.014201
## Sent.Recd.Dys.nexp                                                                     6.918508
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                          6.898341
## Datereceived.date.fctr(19,25]                                                          6.668373
## Datereceived.month.fctr06                                                              6.358322
## gSPrd.fctrGiftormerchantcard                                                           5.931464
## Channel.fctrReferral                                                                   5.352747
## Datereceived.wkend                                                                     5.092045
## Datereceived.month.fctr07                                                              4.969147
## gTags.fctrOlderAmerican                                                                4.622878
## Datereceived.month.fctr03                                                              4.465556
## gCConsent.fctrOther                                                                    4.464581
## gSPrd.fctrMobilewallet                                                                 4.308642
## Datereceived.month.fctr08                                                              3.795906
## gCompany.fctrOther                                                                     3.673956
## Rgn.Dvn.fctrSH#EastSouthCentral                                                        3.249443
## Datereceived.month.fctr04                                                              2.941477
## Rgn.Dvn.fctrMW#EastNorthCentral                                                        2.837997
## gSPrd.fctrOther:.clusterid.fctr3                                                       2.689015
## Datereceived.date.fctr(25,31]                                                          2.282259
## gCConsent.fctrConsentnotprovided                                                       2.257471
## Datereceived.month.fctr09                                                              2.229747
## Datereceived.date.fctr(7,13]                                                           2.219435
## .clusterid                                                                             1.991856
## gSPrd.fctrGeneralpurposecard                                                           1.844006
## gSPrd.fctrOther:.clusterid.fctr2                                                       1.589042
## Datereceived.wkday.fctr4                                                               1.564824
## Datereceived.wkday.fctr1                                                               1.437558
## Channel.fctrPostalmail                                                                 1.164957
## Channel.fctrFax                                                                        0.000000
## Datereceived.date.fctr(13,19]                                                          0.000000
## Datereceived.month.fctr02                                                              0.000000
## Datereceived.month.fctr10                                                              0.000000
## Datereceived.month.fctr11                                                              0.000000
## Datereceived.month.fctr12                                                              0.000000
## Datereceived.wkday.fctr2                                                               0.000000
## Datereceived.wkday.fctr3                                                               0.000000
## Datereceived.wkday.fctr5                                                               0.000000
## Datereceived.wkday.fctr6                                                               0.000000
## Datesenttocompany.date.fctr(13,19]                                                     0.000000
## Datesenttocompany.date.fctr(19,25]                                                     0.000000
## Datesenttocompany.date.fctr(25,31]                                                     0.000000
## Datesenttocompany.date.fctr(7,13]                                                      0.000000
## Datesenttocompany.juliandate                                                           0.000000
## Datesenttocompany.last16.log1p                                                         0.000000
## Datesenttocompany.last2.log1p                                                          0.000000
## Datesenttocompany.last32.log1p                                                         0.000000
## Datesenttocompany.last4.log1p                                                          0.000000
## Datesenttocompany.last8.log1p                                                          0.000000
## Datesenttocompany.month.fctr02                                                         0.000000
## Datesenttocompany.month.fctr03                                                         0.000000
## Datesenttocompany.month.fctr04                                                         0.000000
## Datesenttocompany.month.fctr05                                                         0.000000
## Datesenttocompany.month.fctr06                                                         0.000000
## Datesenttocompany.month.fctr07                                                         0.000000
## Datesenttocompany.month.fctr08                                                         0.000000
## Datesenttocompany.month.fctr09                                                         0.000000
## Datesenttocompany.month.fctr10                                                         0.000000
## Datesenttocompany.month.fctr11                                                         0.000000
## Datesenttocompany.month.fctr12                                                         0.000000
## Datesenttocompany.wkday.fctr1                                                          0.000000
## Datesenttocompany.wkday.fctr2                                                          0.000000
## Datesenttocompany.wkday.fctr3                                                          0.000000
## Datesenttocompany.wkday.fctr4                                                          0.000000
## Datesenttocompany.wkday.fctr5                                                          0.000000
## Datesenttocompany.wkday.fctr6                                                          0.000000
## Datesenttocompany.wkend                                                                0.000000
## Datesenttocompany.year.fctr2015                                                        0.000000
## Datesenttocompany.year.fctr2016                                                        0.000000
## Response.fctrClosed                                                                    0.000000
## Response.fctrInprogress                                                                0.000000
## Response.fctrUntimelyresponse                                                          0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                                        0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                            0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                             0.000000
## Rgn.Dvn.fctrOT#Other                                                                   0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                                        0.000000
## Rgn.Dvn.fctrWT#Mountain                                                                0.000000
## Sent.Recd.Dys.log1p                                                                    0.000000
## Sent.Recd.Dys.root2                                                                    0.000000
## gCConsent.fctrConsentprovided                                                          0.000000
## gCompany.fctrComerica                                                                  0.000000
## gCompany.fctrPayPalHoldings,Inc.                                                       0.000000
## gCompany.fctrU.S.Bancorp                                                               0.000000
## gSPrd.fctr                                                                             0.000000
## gSPrd.fctr(CD)Certificateofdeposit                                                     0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                                    0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                                    0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                                    0.000000
## gSPrd.fctr:.clusterid.fctr2                                                            0.000000
## gSPrd.fctr:.clusterid.fctr3                                                            0.000000
## gSPrd.fctr:.clusterid.fctr4                                                            0.000000
## gSPrd.fctrAuto                                                                         0.000000
## gSPrd.fctrAuto:.clusterid.fctr2                                                        0.000000
## gSPrd.fctrAuto:.clusterid.fctr3                                                        0.000000
## gSPrd.fctrAuto:.clusterid.fctr4                                                        0.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                                0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                               0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                               0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                               0.000000
## gSPrd.fctrCheckcashing                                                                 0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                                0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                                0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                                0.000000
## gSPrd.fctrCheckingaccount                                                              0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                             0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                             0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                             0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                          0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                         0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                         0.000000
## gSPrd.fctrConventionalfixedmortgage                                                    0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                                   0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                                   0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                                   0.000000
## gSPrd.fctrCreditcard                                                                   0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrCreditrepair                                                                 0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                                0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                                0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                                0.000000
## gSPrd.fctrDebtsettlement                                                               0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                              0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                              0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                              0.000000
## gSPrd.fctrDomestic(US)moneytransfer                                                    0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                                   0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                                   0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                                   0.000000
## gSPrd.fctrFHAmortgage                                                                  0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrFederalstudentloan                                                           0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                          0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                          0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                          0.000000
## gSPrd.fctrFederalstudentloanservicing                                                  0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                                 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                                 0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                                 0.000000
## gSPrd.fctrForeigncurrencyexchange                                                      0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                                     0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                                     0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                                     0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                          0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                          0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                          0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                          0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                          0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                                 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                                0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                                0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                                0.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                                 0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                                0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                                0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                                0.000000
## gSPrd.fctrIDprepaidcard                                                                0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                               0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                               0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                               0.000000
## gSPrd.fctrIdonotknow                                                                   0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrInstallmentloan                                                              0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                             0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                             0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                             0.000000
## gSPrd.fctrInternationalmoneytransfer                                                   0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                                  0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                                  0.000000
## gSPrd.fctrMedical                                                                      0.000000
## gSPrd.fctrMedical:.clusterid.fctr2                                                     0.000000
## gSPrd.fctrMedical:.clusterid.fctr3                                                     0.000000
## gSPrd.fctrMedical:.clusterid.fctr4                                                     0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                                0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                                0.000000
## gSPrd.fctrMoneyorder                                                                   0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrMortgage                                                                     0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                                    0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                                    0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                                    0.000000
## gSPrd.fctrNon-federalstudentloan                                                       0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                                      0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                                      0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                                      0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                             0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                            0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                            0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                            0.000000
## gSPrd.fctrOther:.clusterid.fctr4                                                       0.000000
## gSPrd.fctrOtherbankproduct/service                                                     0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                                    0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                                    0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                                    0.000000
## gSPrd.fctrOthermortgage                                                                0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                               0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                               0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                               0.000000
## gSPrd.fctrPawnloan                                                                     0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                                    0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                                    0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                                    0.000000
## gSPrd.fctrPaydayloan                                                                   0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrPayrollcard                                                                  0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                                 0.000000
## gSPrd.fctrPersonallineofcredit                                                         0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                                        0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                                        0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                                        0.000000
## gSPrd.fctrRefundanticipationcheck                                                      0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                                     0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                                     0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                                     0.000000
## gSPrd.fctrReversemortgage                                                              0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                             0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                             0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                             0.000000
## gSPrd.fctrSavingsaccount                                                               0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                              0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                              0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                              0.000000
## gSPrd.fctrSecondmortgage                                                               0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                              0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                              0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                              0.000000
## gSPrd.fctrTitleloan                                                                    0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                                   0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                                   0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                             0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2            0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3            0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4            0.000000
## gSPrd.fctrVAmortgage                                                                   0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                                  0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                                  0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                                  0.000000
## gSPrd.fctrVehiclelease                                                                 0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                                0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                                0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                                0.000000
## gSPrd.fctrVehicleloan                                                                  0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                                 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                                 0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                                 0.000000
## gTags.fctrOlderAmericanServicemember                                                   0.000000
##                                                                                    imp
## Datereceived.juliandate                                                     100.000000
## Datereceived.last32.log1p                                                    64.791163
## Datereceived.last16.log1p                                                    63.368012
## .rnorm                                                                       54.479052
## Response.fctrClosedwithmonetaryrelief                                        47.121856
## gCompany.fctrAmex                                                            39.260712
## Datereceived.last2.log1p                                                     32.731839
## Datereceived.year.fctr2016                                                   26.372320
## Response.fctrClosedwithnon-monetaryrelief                                    25.287916
## Datereceived.month.fctr05                                                    23.453439
## gCompany.fctrNetSpendCorporation,aTSYSCompany                                20.232558
## Sent.Recd.Dys                                                                18.586459
## Datereceived.last8.log1p                                                     16.104081
## Rgn.Dvn.fctrWT#Pacific                                                       14.652242
## gTags.fctrServicemember                                                      11.728233
## Datereceived.last4.log1p                                                     10.344022
## gCompany.fctrBlackhawkNetworkHoldingsInc.                                    10.265817
## Channel.fctrPhone                                                            10.063702
## gCompany.fctrCitibank                                                         8.544567
## gSPrd.fctrMobilewallet:.clusterid.fctr3                                       8.481127
## Datereceived.year.fctr2015                                                    7.014201
## Sent.Recd.Dys.nexp                                                            6.918508
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr3                                 6.898341
## Datereceived.date.fctr(19,25]                                                 6.668373
## Datereceived.month.fctr06                                                     6.358322
## gSPrd.fctrGiftormerchantcard                                                  5.931464
## Channel.fctrReferral                                                          5.352747
## Datereceived.wkend                                                            5.092045
## Datereceived.month.fctr07                                                     4.969147
## gTags.fctrOlderAmerican                                                       4.622878
## Datereceived.month.fctr03                                                     4.465556
## gCConsent.fctrOther                                                           4.464581
## gSPrd.fctrMobilewallet                                                        4.308642
## Datereceived.month.fctr08                                                     3.795906
## gCompany.fctrOther                                                            3.673956
## Rgn.Dvn.fctrSH#EastSouthCentral                                               3.249443
## Datereceived.month.fctr04                                                     2.941477
## Rgn.Dvn.fctrMW#EastNorthCentral                                               2.837997
## gSPrd.fctrOther:.clusterid.fctr3                                              2.689015
## Datereceived.date.fctr(25,31]                                                 2.282259
## gCConsent.fctrConsentnotprovided                                              2.257471
## Datereceived.month.fctr09                                                     2.229747
## Datereceived.date.fctr(7,13]                                                  2.219435
## .clusterid                                                                    1.991856
## gSPrd.fctrGeneralpurposecard                                                  1.844006
## gSPrd.fctrOther:.clusterid.fctr2                                              1.589042
## Datereceived.wkday.fctr4                                                      1.564824
## Datereceived.wkday.fctr1                                                      1.437558
## Channel.fctrPostalmail                                                        1.164957
## Channel.fctrFax                                                               0.000000
## Datereceived.date.fctr(13,19]                                                 0.000000
## Datereceived.month.fctr02                                                     0.000000
## Datereceived.month.fctr10                                                     0.000000
## Datereceived.month.fctr11                                                     0.000000
## Datereceived.month.fctr12                                                     0.000000
## Datereceived.wkday.fctr2                                                      0.000000
## Datereceived.wkday.fctr3                                                      0.000000
## Datereceived.wkday.fctr5                                                      0.000000
## Datereceived.wkday.fctr6                                                      0.000000
## Datesenttocompany.date.fctr(13,19]                                            0.000000
## Datesenttocompany.date.fctr(19,25]                                            0.000000
## Datesenttocompany.date.fctr(25,31]                                            0.000000
## Datesenttocompany.date.fctr(7,13]                                             0.000000
## Datesenttocompany.juliandate                                                  0.000000
## Datesenttocompany.last16.log1p                                                0.000000
## Datesenttocompany.last2.log1p                                                 0.000000
## Datesenttocompany.last32.log1p                                                0.000000
## Datesenttocompany.last4.log1p                                                 0.000000
## Datesenttocompany.last8.log1p                                                 0.000000
## Datesenttocompany.month.fctr02                                                0.000000
## Datesenttocompany.month.fctr03                                                0.000000
## Datesenttocompany.month.fctr04                                                0.000000
## Datesenttocompany.month.fctr05                                                0.000000
## Datesenttocompany.month.fctr06                                                0.000000
## Datesenttocompany.month.fctr07                                                0.000000
## Datesenttocompany.month.fctr08                                                0.000000
## Datesenttocompany.month.fctr09                                                0.000000
## Datesenttocompany.month.fctr10                                                0.000000
## Datesenttocompany.month.fctr11                                                0.000000
## Datesenttocompany.month.fctr12                                                0.000000
## Datesenttocompany.wkday.fctr1                                                 0.000000
## Datesenttocompany.wkday.fctr2                                                 0.000000
## Datesenttocompany.wkday.fctr3                                                 0.000000
## Datesenttocompany.wkday.fctr4                                                 0.000000
## Datesenttocompany.wkday.fctr5                                                 0.000000
## Datesenttocompany.wkday.fctr6                                                 0.000000
## Datesenttocompany.wkend                                                       0.000000
## Datesenttocompany.year.fctr2015                                               0.000000
## Datesenttocompany.year.fctr2016                                               0.000000
## Response.fctrClosed                                                           0.000000
## Response.fctrInprogress                                                       0.000000
## Response.fctrUntimelyresponse                                                 0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral                                               0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#MidAtlantic                                   0.000000
## Rgn.Dvn.fctrMW#WestNorthCentral#NewEngland                                    0.000000
## Rgn.Dvn.fctrOT#Other                                                          0.000000
## Rgn.Dvn.fctrSH#WestSouthCentral                                               0.000000
## Rgn.Dvn.fctrWT#Mountain                                                       0.000000
## Sent.Recd.Dys.log1p                                                           0.000000
## Sent.Recd.Dys.root2                                                           0.000000
## gCConsent.fctrConsentprovided                                                 0.000000
## gCompany.fctrComerica                                                         0.000000
## gCompany.fctrPayPalHoldings,Inc.                                              0.000000
## gCompany.fctrU.S.Bancorp                                                      0.000000
## gSPrd.fctr                                                                    0.000000
## gSPrd.fctr(CD)Certificateofdeposit                                            0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr2                           0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr3                           0.000000
## gSPrd.fctr(CD)Certificateofdeposit:.clusterid.fctr4                           0.000000
## gSPrd.fctr:.clusterid.fctr2                                                   0.000000
## gSPrd.fctr:.clusterid.fctr3                                                   0.000000
## gSPrd.fctr:.clusterid.fctr4                                                   0.000000
## gSPrd.fctrAuto                                                                0.000000
## gSPrd.fctrAuto:.clusterid.fctr2                                               0.000000
## gSPrd.fctrAuto:.clusterid.fctr3                                               0.000000
## gSPrd.fctrAuto:.clusterid.fctr4                                               0.000000
## gSPrd.fctrCashingacheckwithoutanaccount                                       0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr2                      0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr3                      0.000000
## gSPrd.fctrCashingacheckwithoutanaccount:.clusterid.fctr4                      0.000000
## gSPrd.fctrCheckcashing                                                        0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr2                                       0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr3                                       0.000000
## gSPrd.fctrCheckcashing:.clusterid.fctr4                                       0.000000
## gSPrd.fctrCheckingaccount                                                     0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr2                                    0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr3                                    0.000000
## gSPrd.fctrCheckingaccount:.clusterid.fctr4                                    0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM)                                 0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr2                0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr3                0.000000
## gSPrd.fctrConventionaladjustablemortgage(ARM):.clusterid.fctr4                0.000000
## gSPrd.fctrConventionalfixedmortgage                                           0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr2                          0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr3                          0.000000
## gSPrd.fctrConventionalfixedmortgage:.clusterid.fctr4                          0.000000
## gSPrd.fctrCreditcard                                                          0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr2                                         0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr3                                         0.000000
## gSPrd.fctrCreditcard:.clusterid.fctr4                                         0.000000
## gSPrd.fctrCreditrepair                                                        0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr2                                       0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr3                                       0.000000
## gSPrd.fctrCreditrepair:.clusterid.fctr4                                       0.000000
## gSPrd.fctrDebtsettlement                                                      0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr2                                     0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr3                                     0.000000
## gSPrd.fctrDebtsettlement:.clusterid.fctr4                                     0.000000
## gSPrd.fctrDomestic(US)moneytransfer                                           0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr2                          0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr3                          0.000000
## gSPrd.fctrDomestic(US)moneytransfer:.clusterid.fctr4                          0.000000
## gSPrd.fctrFHAmortgage                                                         0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr2                                        0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr3                                        0.000000
## gSPrd.fctrFHAmortgage:.clusterid.fctr4                                        0.000000
## gSPrd.fctrFederalstudentloan                                                  0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr2                                 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr3                                 0.000000
## gSPrd.fctrFederalstudentloan:.clusterid.fctr4                                 0.000000
## gSPrd.fctrFederalstudentloanservicing                                         0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr2                        0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr3                        0.000000
## gSPrd.fctrFederalstudentloanservicing:.clusterid.fctr4                        0.000000
## gSPrd.fctrForeigncurrencyexchange                                             0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr2                            0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr3                            0.000000
## gSPrd.fctrForeigncurrencyexchange:.clusterid.fctr4                            0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr2                                 0.000000
## gSPrd.fctrGeneralpurposecard:.clusterid.fctr4                                 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr2                                 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr3                                 0.000000
## gSPrd.fctrGiftormerchantcard:.clusterid.fctr4                                 0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard                                        0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr2                       0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr3                       0.000000
## gSPrd.fctrGovernmentbenefitpaymentcard:.clusterid.fctr4                       0.000000
## gSPrd.fctrHomeequityloanorlineofcredit                                        0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr2                       0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr3                       0.000000
## gSPrd.fctrHomeequityloanorlineofcredit:.clusterid.fctr4                       0.000000
## gSPrd.fctrIDprepaidcard                                                       0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr2                                      0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr3                                      0.000000
## gSPrd.fctrIDprepaidcard:.clusterid.fctr4                                      0.000000
## gSPrd.fctrIdonotknow                                                          0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr2                                         0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr3                                         0.000000
## gSPrd.fctrIdonotknow:.clusterid.fctr4                                         0.000000
## gSPrd.fctrInstallmentloan                                                     0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr2                                    0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr3                                    0.000000
## gSPrd.fctrInstallmentloan:.clusterid.fctr4                                    0.000000
## gSPrd.fctrInternationalmoneytransfer                                          0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr2                         0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr3                         0.000000
## gSPrd.fctrInternationalmoneytransfer:.clusterid.fctr4                         0.000000
## gSPrd.fctrMedical                                                             0.000000
## gSPrd.fctrMedical:.clusterid.fctr2                                            0.000000
## gSPrd.fctrMedical:.clusterid.fctr3                                            0.000000
## gSPrd.fctrMedical:.clusterid.fctr4                                            0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr2                                       0.000000
## gSPrd.fctrMobilewallet:.clusterid.fctr4                                       0.000000
## gSPrd.fctrMoneyorder                                                          0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr2                                         0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr3                                         0.000000
## gSPrd.fctrMoneyorder:.clusterid.fctr4                                         0.000000
## gSPrd.fctrMortgage                                                            0.000000
## gSPrd.fctrMortgage:.clusterid.fctr2                                           0.000000
## gSPrd.fctrMortgage:.clusterid.fctr3                                           0.000000
## gSPrd.fctrMortgage:.clusterid.fctr4                                           0.000000
## gSPrd.fctrNon-federalstudentloan                                              0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr2                             0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr3                             0.000000
## gSPrd.fctrNon-federalstudentloan:.clusterid.fctr4                             0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.)                                    0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr2                   0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr3                   0.000000
## gSPrd.fctrOther(i.e.phone,healthclub,etc.):.clusterid.fctr4                   0.000000
## gSPrd.fctrOther:.clusterid.fctr4                                              0.000000
## gSPrd.fctrOtherbankproduct/service                                            0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr2                           0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr3                           0.000000
## gSPrd.fctrOtherbankproduct/service:.clusterid.fctr4                           0.000000
## gSPrd.fctrOthermortgage                                                       0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr2                                      0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr3                                      0.000000
## gSPrd.fctrOthermortgage:.clusterid.fctr4                                      0.000000
## gSPrd.fctrPawnloan                                                            0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr2                                           0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr3                                           0.000000
## gSPrd.fctrPawnloan:.clusterid.fctr4                                           0.000000
## gSPrd.fctrPaydayloan                                                          0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr2                                         0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr3                                         0.000000
## gSPrd.fctrPaydayloan:.clusterid.fctr4                                         0.000000
## gSPrd.fctrPayrollcard                                                         0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr2                                        0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr3                                        0.000000
## gSPrd.fctrPayrollcard:.clusterid.fctr4                                        0.000000
## gSPrd.fctrPersonallineofcredit                                                0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr2                               0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr3                               0.000000
## gSPrd.fctrPersonallineofcredit:.clusterid.fctr4                               0.000000
## gSPrd.fctrRefundanticipationcheck                                             0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr2                            0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr3                            0.000000
## gSPrd.fctrRefundanticipationcheck:.clusterid.fctr4                            0.000000
## gSPrd.fctrReversemortgage                                                     0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr2                                    0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr3                                    0.000000
## gSPrd.fctrReversemortgage:.clusterid.fctr4                                    0.000000
## gSPrd.fctrSavingsaccount                                                      0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr2                                     0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr3                                     0.000000
## gSPrd.fctrSavingsaccount:.clusterid.fctr4                                     0.000000
## gSPrd.fctrSecondmortgage                                                      0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr2                                     0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr3                                     0.000000
## gSPrd.fctrSecondmortgage:.clusterid.fctr4                                     0.000000
## gSPrd.fctrTitleloan                                                           0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr2                                          0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr3                                          0.000000
## gSPrd.fctrTitleloan:.clusterid.fctr4                                          0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks                    0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr2   0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr3   0.000000
## gSPrd.fctrTraveler\342\200\231s/Cashier\342\200\231schecks:.clusterid.fctr4   0.000000
## gSPrd.fctrVAmortgage                                                          0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr2                                         0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr3                                         0.000000
## gSPrd.fctrVAmortgage:.clusterid.fctr4                                         0.000000
## gSPrd.fctrVehiclelease                                                        0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr2                                       0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr3                                       0.000000
## gSPrd.fctrVehiclelease:.clusterid.fctr4                                       0.000000
## gSPrd.fctrVehicleloan                                                         0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr2                                        0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr3                                        0.000000
## gSPrd.fctrVehicleloan:.clusterid.fctr4                                        0.000000
## gTags.fctrOlderAmericanServicemember                                          0.000000
if (glb_is_classification && glb_is_binomial)
    glb_analytics_diag_plots(obs_df=glbObsTrn, mdl_id=glbMdlFnlNslId, 
            prob_threshold=glb_models_df[glb_models_df$id == glbMdlSltId, 
                                         "opt.prob.threshold.OOB"]) else
    glb_analytics_diag_plots(obs_df=glbObsTrn, mdl_id=glbMdlFnlNslId)                  
## Warning in glb_analytics_diag_plots(obs_df = glbObsTrn, mdl_id =
## glbMdlFnlNslId, : Limiting important feature scatter plots to 5 out of 36

## [1] "Min/Max Boundaries: "
##    ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1      1622364              Y                                 NA
## 2      1615406              Y                         0.08329856
## 3      1621797              Y                         0.07494627
## 4      1618050              Y                         0.09394382
## 5      1621888              Y                         0.15234196
## 6      1617631              Y                                 NA
## 7       993576              N                         0.29063010
## 8      1177054              N                         0.18209625
## 9      1622125              N                         0.07394661
## 10     1086443              N                                 NA
## 11      994537              N                         0.45483761
## 12     1724708              N                                 NA
## 13     1176479              N                                 NA
##    CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                           <NA>                                NA
## 2                              N                              TRUE
## 3                              N                              TRUE
## 4                              N                              TRUE
## 5                              N                              TRUE
## 6                           <NA>                                NA
## 7                              N                             FALSE
## 8                              N                             FALSE
## 9                              N                             FALSE
## 10                          <NA>                                NA
## 11                             Y                              TRUE
## 12                          <NA>                                NA
## 13                          <NA>                                NA
##    CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                                     NA
## 2                             0.91670144
## 3                             0.92505373
## 4                             0.90605618
## 5                             0.84765804
## 6                                     NA
## 7                             0.29063010
## 8                             0.18209625
## 9                             0.07394661
## 10                                    NA
## 11                            0.45483761
## 12                                    NA
## 13                                    NA
##    CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                    NA
## 2                                 FALSE
## 3                                 FALSE
## 4                                 FALSE
## 5                                 FALSE
## 6                                    NA
## 7                                  TRUE
## 8                                  TRUE
## 9                                  TRUE
## 10                                   NA
## 11                                FALSE
## 12                                   NA
## 13                                   NA
##    CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 1                           0.08062045                              N
## 2                           0.08440944                              N
## 3                           0.09194976                              N
## 4                           0.12169195                              N
## 5                           0.19178236                              N
## 6                           0.28815266                              N
## 7                           0.25571200                              N
## 8                           0.20443989                              N
## 9                           0.06528308                              N
## 10                          0.33340241                              Y
## 11                          0.36424837                              Y
## 12                          0.38477141                              Y
## 13                          0.42779050                              Y
##    CDisputed.fctr.Trn.All.X...gbm.err
## 1                                TRUE
## 2                                TRUE
## 3                                TRUE
## 4                                TRUE
## 5                                TRUE
## 6                                TRUE
## 7                               FALSE
## 8                               FALSE
## 9                               FALSE
## 10                               TRUE
## 11                               TRUE
## 12                               TRUE
## 13                               TRUE
##    CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                              0.91937955
## 2                              0.91559056
## 3                              0.90805024
## 4                              0.87830805
## 5                              0.80821764
## 6                              0.71184734
## 7                              0.25571200
## 8                              0.20443989
## 9                              0.06528308
## 10                             0.33340241
## 11                             0.36424837
## 12                             0.38477141
## 13                             0.42779050
##    CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                  FALSE
## 2                                  FALSE
## 3                                  FALSE
## 4                                  FALSE
## 5                                  FALSE
## 6                                  FALSE
## 7                                   TRUE
## 8                                   TRUE
## 9                                   TRUE
## 10                                 FALSE
## 11                                 FALSE
## 12                                 FALSE
## 13                                 FALSE
##    CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                    FALSE
## 2                                    FALSE
## 3                                    FALSE
## 4                                    FALSE
## 5                                    FALSE
## 6                                    FALSE
## 7                                     TRUE
## 8                                     TRUE
## 9                                     TRUE
## 10                                   FALSE
## 11                                   FALSE
## 12                                   FALSE
## 13                                   FALSE
##    CDisputed.fctr.Trn.All.X...gbm.error  .label
## 1                           -0.21937955 1622364
## 2                           -0.21559056 1615406
## 3                           -0.20805024 1621797
## 4                           -0.17830805 1618050
## 5                           -0.10821764 1621888
## 6                           -0.01184734 1617631
## 7                            0.00000000  993576
## 8                            0.00000000 1177054
## 9                            0.00000000 1622125
## 10                           0.03340241 1086443
## 11                           0.06424837  994537
## 12                           0.08477141 1724708
## 13                           0.12779050 1176479
## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3
## [1] "Inaccurate: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1629220              Y                         0.07787470
## 2     1617605              Y                         0.06894698
## 3     1604897              Y                         0.12286309
## 4     1617632              Y                         0.07065278
## 5     1623363              Y                         0.06967546
## 6     1622364              Y                                 NA
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                              TRUE
## 4                             N                              TRUE
## 5                             N                              TRUE
## 6                          <NA>                                NA
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.9221253
## 2                             0.9310530
## 3                             0.8771369
## 4                             0.9293472
## 5                             0.9303245
## 6                                    NA
##   CDisputed.fctr.All.X..rcv.gbm.is.acc CDisputed.fctr.Trn.All.X...gbm.prob
## 1                                FALSE                          0.06857314
## 2                                FALSE                          0.07100971
## 3                                FALSE                          0.07256382
## 4                                FALSE                          0.07438355
## 5                                FALSE                          0.07958278
## 6                                   NA                          0.08062045
##   CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1                              N                               TRUE
## 2                              N                               TRUE
## 3                              N                               TRUE
## 4                              N                               TRUE
## 5                              N                               TRUE
## 6                              N                               TRUE
##   CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                              0.9314269
## 2                              0.9289903
## 3                              0.9274362
## 4                              0.9256164
## 5                              0.9204172
## 6                              0.9193796
##   CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                 FALSE
## 2                                 FALSE
## 3                                 FALSE
## 4                                 FALSE
## 5                                 FALSE
## 6                                 FALSE
##   CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                   FALSE
## 2                                   FALSE
## 3                                   FALSE
## 4                                   FALSE
## 5                                   FALSE
## 6                                   FALSE
##   CDisputed.fctr.Trn.All.X...gbm.error
## 1                           -0.2314269
## 2                           -0.2289903
## 3                           -0.2274362
## 4                           -0.2256164
## 5                           -0.2204172
## 6                           -0.2193796
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 51      1263617              Y                          0.3928301
## 99      2010755              Y                          0.4013463
## 129     1188700              Y                          0.3109971
## 171     1330702              N                                 NA
## 201     1041803              N                          0.4092384
## 370     1445039              N                                 NA
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 51                              Y                             FALSE
## 99                              Y                             FALSE
## 129                             Y                             FALSE
## 171                          <NA>                                NA
## 201                             Y                              TRUE
## 370                          <NA>                                NA
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 51                              0.6071699
## 99                              0.5986537
## 129                             0.6890029
## 171                                    NA
## 201                             0.4092384
## 370                                    NA
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 51                                  TRUE
## 99                                  TRUE
## 129                                 TRUE
## 171                                   NA
## 201                                FALSE
## 370                                   NA
##     CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 51                            0.2201185                              N
## 99                            0.2717361                              N
## 129                           0.2968226                              N
## 171                           0.3136615                              Y
## 201                           0.3280998                              Y
## 370                           0.4704567                              Y
##     CDisputed.fctr.Trn.All.X...gbm.err
## 51                                TRUE
## 99                                TRUE
## 129                               TRUE
## 171                               TRUE
## 201                               TRUE
## 370                               TRUE
##     CDisputed.fctr.Trn.All.X...gbm.err.abs
## 51                               0.7798815
## 99                               0.7282639
## 129                              0.7031774
## 171                              0.3136615
## 201                              0.3280998
## 370                              0.4704567
##     CDisputed.fctr.Trn.All.X...gbm.is.acc
## 51                                  FALSE
## 99                                  FALSE
## 129                                 FALSE
## 171                                 FALSE
## 201                                 FALSE
## 370                                 FALSE
##     CDisputed.fctr.Trn.All.X...gbm.accurate
## 51                                    FALSE
## 99                                    FALSE
## 129                                   FALSE
## 171                                   FALSE
## 201                                   FALSE
## 370                                   FALSE
##     CDisputed.fctr.Trn.All.X...gbm.error
## 51                          -0.079881540
## 99                          -0.028263859
## 129                         -0.003177363
## 171                          0.013661534
## 201                          0.028099847
## 370                          0.170456664
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 407     1947125              N                          0.3917309
## 408     2039882              N                                 NA
## 409     1946136              N                                 NA
## 410     1916090              N                                 NA
## 411     2007045              N                                 NA
## 412     1375515              N                          0.4340236
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 407                             Y                              TRUE
## 408                          <NA>                                NA
## 409                          <NA>                                NA
## 410                          <NA>                                NA
## 411                          <NA>                                NA
## 412                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 407                             0.3917309
## 408                                    NA
## 409                                    NA
## 410                                    NA
## 411                                    NA
## 412                             0.4340236
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 407                                FALSE
## 408                                   NA
## 409                                   NA
## 410                                   NA
## 411                                   NA
## 412                                FALSE
##     CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 407                           0.5844274                              Y
## 408                           0.5921506                              Y
## 409                           0.5995884                              Y
## 410                           0.6022103                              Y
## 411                           0.6257016                              Y
## 412                           0.6871383                              Y
##     CDisputed.fctr.Trn.All.X...gbm.err
## 407                               TRUE
## 408                               TRUE
## 409                               TRUE
## 410                               TRUE
## 411                               TRUE
## 412                               TRUE
##     CDisputed.fctr.Trn.All.X...gbm.err.abs
## 407                              0.5844274
## 408                              0.5921506
## 409                              0.5995884
## 410                              0.6022103
## 411                              0.6257016
## 412                              0.6871383
##     CDisputed.fctr.Trn.All.X...gbm.is.acc
## 407                                 FALSE
## 408                                 FALSE
## 409                                 FALSE
## 410                                 FALSE
## 411                                 FALSE
## 412                                 FALSE
##     CDisputed.fctr.Trn.All.X...gbm.accurate
## 407                                   FALSE
## 408                                   FALSE
## 409                                   FALSE
## 410                                   FALSE
## 411                                   FALSE
## 412                                   FALSE
##     CDisputed.fctr.Trn.All.X...gbm.error
## 407                            0.2844274
## 408                            0.2921506
## 409                            0.2995884
## 410                            0.3022103
## 411                            0.3257016
## 412                            0.3871383
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

## [1] "Min/Max Boundaries: "
##    ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1      1629220              Y                         0.07787470
## 2      1604897              Y                         0.12286309
## 3      1623363              Y                         0.06967546
## 4      1622364              Y                                 NA
## 5      1623265              Y                                 NA
## 6      1615406              Y                         0.08329856
## 7      1621797              Y                         0.07494627
## 8      1618050              Y                         0.09394382
## 9      1621888              Y                         0.15234196
## 10     1617631              Y                                 NA
## 11      993576              N                         0.29063010
## 12     1073908              N                                 NA
## 13     1622078              N                                 NA
## 14     1622125              N                         0.07394661
## 15     1086443              N                                 NA
## 16      994537              N                         0.45483761
##    CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                              N                              TRUE
## 2                              N                              TRUE
## 3                              N                              TRUE
## 4                           <NA>                                NA
## 5                           <NA>                                NA
## 6                              N                              TRUE
## 7                              N                              TRUE
## 8                              N                              TRUE
## 9                              N                              TRUE
## 10                          <NA>                                NA
## 11                             N                             FALSE
## 12                          <NA>                                NA
## 13                          <NA>                                NA
## 14                             N                             FALSE
## 15                          <NA>                                NA
## 16                             Y                              TRUE
##    CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.92212530
## 2                             0.87713691
## 3                             0.93032454
## 4                                     NA
## 5                                     NA
## 6                             0.91670144
## 7                             0.92505373
## 8                             0.90605618
## 9                             0.84765804
## 10                                    NA
## 11                            0.29063010
## 12                                    NA
## 13                                    NA
## 14                            0.07394661
## 15                                    NA
## 16                            0.45483761
##    CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                 FALSE
## 2                                 FALSE
## 3                                 FALSE
## 4                                    NA
## 5                                    NA
## 6                                 FALSE
## 7                                 FALSE
## 8                                 FALSE
## 9                                 FALSE
## 10                                   NA
## 11                                 TRUE
## 12                                   NA
## 13                                   NA
## 14                                 TRUE
## 15                                   NA
## 16                                FALSE
##    CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 1                           0.06857314                              N
## 2                           0.07256382                              N
## 3                           0.07958278                              N
## 4                           0.08062045                              N
## 5                           0.08332742                              N
## 6                           0.08440944                              N
## 7                           0.09194976                              N
## 8                           0.12169195                              N
## 9                           0.19178236                              N
## 10                          0.28815266                              N
## 11                          0.25571200                              N
## 12                          0.13135022                              N
## 13                          0.07435014                              N
## 14                          0.06528308                              N
## 15                          0.33340241                              Y
## 16                          0.36424837                              Y
##    CDisputed.fctr.Trn.All.X...gbm.err
## 1                                TRUE
## 2                                TRUE
## 3                                TRUE
## 4                                TRUE
## 5                                TRUE
## 6                                TRUE
## 7                                TRUE
## 8                                TRUE
## 9                                TRUE
## 10                               TRUE
## 11                              FALSE
## 12                              FALSE
## 13                              FALSE
## 14                              FALSE
## 15                               TRUE
## 16                               TRUE
##    CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                              0.93142686
## 2                              0.92743618
## 3                              0.92041722
## 4                              0.91937955
## 5                              0.91667258
## 6                              0.91559056
## 7                              0.90805024
## 8                              0.87830805
## 9                              0.80821764
## 10                             0.71184734
## 11                             0.25571200
## 12                             0.13135022
## 13                             0.07435014
## 14                             0.06528308
## 15                             0.33340241
## 16                             0.36424837
##    CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                  FALSE
## 2                                  FALSE
## 3                                  FALSE
## 4                                  FALSE
## 5                                  FALSE
## 6                                  FALSE
## 7                                  FALSE
## 8                                  FALSE
## 9                                  FALSE
## 10                                 FALSE
## 11                                  TRUE
## 12                                  TRUE
## 13                                  TRUE
## 14                                  TRUE
## 15                                 FALSE
## 16                                 FALSE
##    CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                    FALSE
## 2                                    FALSE
## 3                                    FALSE
## 4                                    FALSE
## 5                                    FALSE
## 6                                    FALSE
## 7                                    FALSE
## 8                                    FALSE
## 9                                    FALSE
## 10                                   FALSE
## 11                                    TRUE
## 12                                    TRUE
## 13                                    TRUE
## 14                                    TRUE
## 15                                   FALSE
## 16                                   FALSE
##    CDisputed.fctr.Trn.All.X...gbm.error  .label
## 1                           -0.23142686 1629220
## 2                           -0.22743618 1604897
## 3                           -0.22041722 1623363
## 4                           -0.21937955 1622364
## 5                           -0.21667258 1623265
## 6                           -0.21559056 1615406
## 7                           -0.20805024 1621797
## 8                           -0.17830805 1618050
## 9                           -0.10821764 1621888
## 10                          -0.01184734 1617631
## 11                           0.00000000  993576
## 12                           0.00000000 1073908
## 13                           0.00000000 1622078
## 14                           0.00000000 1622125
## 15                           0.03340241 1086443
## 16                           0.06424837  994537
## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3
## [1] "Inaccurate: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 1     1629220              Y                         0.07787470
## 2     1617605              Y                         0.06894698
## 3     1604897              Y                         0.12286309
## 4     1617632              Y                         0.07065278
## 5     1623363              Y                         0.06967546
## 6     1622364              Y                                 NA
##   CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 1                             N                              TRUE
## 2                             N                              TRUE
## 3                             N                              TRUE
## 4                             N                              TRUE
## 5                             N                              TRUE
## 6                          <NA>                                NA
##   CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                             0.9221253
## 2                             0.9310530
## 3                             0.8771369
## 4                             0.9293472
## 5                             0.9303245
## 6                                    NA
##   CDisputed.fctr.All.X..rcv.gbm.is.acc CDisputed.fctr.Trn.All.X...gbm.prob
## 1                                FALSE                          0.06857314
## 2                                FALSE                          0.07100971
## 3                                FALSE                          0.07256382
## 4                                FALSE                          0.07438355
## 5                                FALSE                          0.07958278
## 6                                   NA                          0.08062045
##   CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1                              N                               TRUE
## 2                              N                               TRUE
## 3                              N                               TRUE
## 4                              N                               TRUE
## 5                              N                               TRUE
## 6                              N                               TRUE
##   CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                              0.9314269
## 2                              0.9289903
## 3                              0.9274362
## 4                              0.9256164
## 5                              0.9204172
## 6                              0.9193796
##   CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                 FALSE
## 2                                 FALSE
## 3                                 FALSE
## 4                                 FALSE
## 5                                 FALSE
## 6                                 FALSE
##   CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                   FALSE
## 2                                   FALSE
## 3                                   FALSE
## 4                                   FALSE
## 5                                   FALSE
## 6                                   FALSE
##   CDisputed.fctr.Trn.All.X...gbm.error
## 1                           -0.2314269
## 2                           -0.2289903
## 3                           -0.2274362
## 4                           -0.2256164
## 5                           -0.2204172
## 6                           -0.2193796
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 18      1618050              Y                         0.09394382
## 79      1295778              Y                         0.27719076
## 161     1559925              N                                 NA
## 182     1991234              N                         0.21313308
## 303     1543477              N                         0.33144660
## 407     1947125              N                         0.39173095
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 18                              N                              TRUE
## 79                              N                              TRUE
## 161                          <NA>                                NA
## 182                             N                             FALSE
## 303                             Y                              TRUE
## 407                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 18                              0.9060562
## 79                              0.7228092
## 161                                    NA
## 182                             0.2131331
## 303                             0.3314466
## 407                             0.3917309
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 18                                 FALSE
## 79                                 FALSE
## 161                                   NA
## 182                                 TRUE
## 303                                FALSE
## 407                                FALSE
##     CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 18                            0.1216920                              N
## 79                            0.2490481                              N
## 161                           0.3104005                              Y
## 182                           0.3202365                              Y
## 303                           0.3881265                              Y
## 407                           0.5844274                              Y
##     CDisputed.fctr.Trn.All.X...gbm.err
## 18                                TRUE
## 79                                TRUE
## 161                               TRUE
## 182                               TRUE
## 303                               TRUE
## 407                               TRUE
##     CDisputed.fctr.Trn.All.X...gbm.err.abs
## 18                               0.8783080
## 79                               0.7509519
## 161                              0.3104005
## 182                              0.3202365
## 303                              0.3881265
## 407                              0.5844274
##     CDisputed.fctr.Trn.All.X...gbm.is.acc
## 18                                  FALSE
## 79                                  FALSE
## 161                                 FALSE
## 182                                 FALSE
## 303                                 FALSE
## 407                                 FALSE
##     CDisputed.fctr.Trn.All.X...gbm.accurate
## 18                                    FALSE
## 79                                    FALSE
## 161                                   FALSE
## 182                                   FALSE
## 303                                   FALSE
## 407                                   FALSE
##     CDisputed.fctr.Trn.All.X...gbm.error
## 18                           -0.17830805
## 79                           -0.05095189
## 161                           0.01040053
## 182                           0.02023653
## 303                           0.08812646
## 407                           0.28442744
##     ComplaintID CDisputed.fctr CDisputed.fctr.All.X..rcv.gbm.prob
## 407     1947125              N                          0.3917309
## 408     2039882              N                                 NA
## 409     1946136              N                                 NA
## 410     1916090              N                                 NA
## 411     2007045              N                                 NA
## 412     1375515              N                          0.4340236
##     CDisputed.fctr.All.X..rcv.gbm CDisputed.fctr.All.X..rcv.gbm.err
## 407                             Y                              TRUE
## 408                          <NA>                                NA
## 409                          <NA>                                NA
## 410                          <NA>                                NA
## 411                          <NA>                                NA
## 412                             Y                              TRUE
##     CDisputed.fctr.All.X..rcv.gbm.err.abs
## 407                             0.3917309
## 408                                    NA
## 409                                    NA
## 410                                    NA
## 411                                    NA
## 412                             0.4340236
##     CDisputed.fctr.All.X..rcv.gbm.is.acc
## 407                                FALSE
## 408                                   NA
## 409                                   NA
## 410                                   NA
## 411                                   NA
## 412                                FALSE
##     CDisputed.fctr.Trn.All.X...gbm.prob CDisputed.fctr.Trn.All.X...gbm
## 407                           0.5844274                              Y
## 408                           0.5921506                              Y
## 409                           0.5995884                              Y
## 410                           0.6022103                              Y
## 411                           0.6257016                              Y
## 412                           0.6871383                              Y
##     CDisputed.fctr.Trn.All.X...gbm.err
## 407                               TRUE
## 408                               TRUE
## 409                               TRUE
## 410                               TRUE
## 411                               TRUE
## 412                               TRUE
##     CDisputed.fctr.Trn.All.X...gbm.err.abs
## 407                              0.5844274
## 408                              0.5921506
## 409                              0.5995884
## 410                              0.6022103
## 411                              0.6257016
## 412                              0.6871383
##     CDisputed.fctr.Trn.All.X...gbm.is.acc
## 407                                 FALSE
## 408                                 FALSE
## 409                                 FALSE
## 410                                 FALSE
## 411                                 FALSE
## 412                                 FALSE
##     CDisputed.fctr.Trn.All.X...gbm.accurate
## 407                                   FALSE
## 408                                   FALSE
## 409                                   FALSE
## 410                                   FALSE
## 411                                   FALSE
## 412                                   FALSE
##     CDisputed.fctr.Trn.All.X...gbm.error
## 407                            0.2844274
## 408                            0.2921506
## 409                            0.2995884
## 410                            0.3022103
## 411                            0.3257016
## 412                            0.3871383
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

dsp_feats_vctr <- c(NULL)
for(var in grep(".imp", names(glb_feats_df), fixed=TRUE, value=TRUE))
    dsp_feats_vctr <- union(dsp_feats_vctr, 
                            glb_feats_df[!is.na(glb_feats_df[, var]), "id"])

# print(glbObsTrn[glbObsTrn$UniqueID %in% FN_OOB_ids, 
#                     grep(glb_rsp_var, names(glbObsTrn), value=TRUE)])

# print(setdiff(names(glbObsTrn), names(glbObsAll)))
# for (col in setdiff(names(glbObsTrn), names(glbObsAll)))
#     # Merge or cbind ?
#     glbObsAll[glbObsAll$.src == "Train", col] <- glbObsTrn[, col]
# 
# print(setdiff(names(glbObsFit), names(glbObsAll)))
# print(setdiff(names(glbObsOOB), names(glbObsAll)))
# for (col in setdiff(names(glbObsOOB), names(glbObsAll)))
#     # Merge or cbind ?
#     glbObsAll[glbObsAll$.lcn == "OOB", col] <- glbObsOOB[, col]
#     
# print(setdiff(names(glbObsNew), names(glbObsAll)))

#glb2Sav(); all.equal(savObsAll, glbObsAll); all.equal(sav_models_lst, glb_models_lst)
#load(file = paste0(glbOut$pfx, "dsk_knitr.RData"))
#cmpCols <- names(glbObsAll)[!grepl("\\.Final\\.", names(glbObsAll))]; all.equal(savObsAll[, cmpCols], glbObsAll[, cmpCols]); all.equal(savObsAll[, "H.P.http"], glbObsAll[, "H.P.http"]); 

replay.petrisim(pn = glb_analytics_pn, 
    replay.trans = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, 
        "data.training.all.prediction","model.final")), flip_coord = TRUE)
## time trans    "bgn " "fit.data.training.all " "predict.data.new " "end " 
## 0.0000   multiple enabled transitions:  data.training.all data.new model.selected    firing:  model.selected 
## 1.0000    3   2 1 0 0 
## 1.0000   multiple enabled transitions:  data.training.all data.new model.selected model.final data.training.all.prediction   firing:  data.training.all.prediction 
## 2.0000    5   2 0 0 1
## Warning in replay.petrisim(pn = glb_analytics_pn, replay.trans =
## (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, : Transition:
## model.final not enabled; adding missing token(s)
## Warning in replay.petrisim(pn = glb_analytics_pn, replay.trans
## = (glb_analytics_avl_objs <- c(glb_analytics_avl_objs, : Place:
## fit.data.training.all: added 1 missing token
## 2.0000   multiple enabled transitions:  data.training.all data.new model.selected model.final data.training.all.prediction   firing:  model.final 
## 3.0000    4   2 0 1 1

glb_chunks_df <- myadd_chunk(glb_chunks_df, "predict.data.new", major.inc = TRUE)
##               label step_major step_minor label_minor      bgn      end
## 7 fit.data.training          3          1           1  474.423 1153.384
## 8  predict.data.new          4          0           0 1153.384       NA
##   elapsed
## 7 678.961
## 8      NA

Step 4.0: predict data new

## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlNslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3
## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlRslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3
## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlNslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3
## Warning in glb_get_predictions(obs_df, mdl_id = glbMdlFnlRslId, rsp_var =
## glb_rsp_var, : Using default probability threshold: 0.3
## Warning in glb_analytics_diag_plots(obs_df = glbObsNew, mdl_id =
## glbMdlFnlNslId, : Limiting important feature scatter plots to 5 out of 36

## [1] "Min/Max Boundaries: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.Trn.All.X...gbm.prob
## 1     1828373           <NA>                           0.2849228
## 2     1145704           <NA>                           0.5392814
## 3     2006845           <NA>                           0.3296458
## 4     2143905           <NA>                           0.5620565
##   CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1                              N                                 NA
## 2                              Y                                 NA
## 3                              Y                                 NA
## 4                              Y                                 NA
##   CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                                     NA
## 2                                     NA
## 3                                     NA
## 4                                     NA
##   CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                    NA
## 2                                    NA
## 3                                    NA
## 4                                    NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.prob CDisputed.fctr.Trn.All.X..rcv.gbm
## 1                              0.2538368                                 N
## 2                              0.4378269                                 Y
## 3                              0.4081054                                 Y
## 4                              0.5646520                                 Y
##   CDisputed.fctr.Trn.All.X..rcv.gbm.err
## 1                                    NA
## 2                                    NA
## 3                                    NA
## 4                                    NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.err.abs
## 1                                        NA
## 2                                        NA
## 3                                        NA
## 4                                        NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.is.acc
## 1                                       NA
## 2                                       NA
## 3                                       NA
## 4                                       NA
##   CDisputed.fctr.All.X..rcv.gbm.prob CDisputed.fctr.All.X..rcv.gbm
## 1                          0.2602097                             N
## 2                          0.4958411                             Y
## 3                          0.3015976                             Y
## 4                          0.5384280                             Y
##   CDisputed.fctr.All.X..rcv.gbm.err CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                                NA                                    NA
## 2                                NA                                    NA
## 3                                NA                                    NA
## 4                                NA                                    NA
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                   NA
## 2                                   NA
## 3                                   NA
## 4                                   NA
##   CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                      NA
## 2                                      NA
## 3                                      NA
## 4                                      NA
##   CDisputed.fctr.Trn.All.X...gbm.error  .label
## 1                                    0 1828373
## 2                                    0 1145704
## 3                                    0 2006845
## 4                                    0 2143905
## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

## [1] "Min/Max Boundaries: "
##   ComplaintID CDisputed.fctr CDisputed.fctr.Trn.All.X...gbm.prob
## 1     1145704           <NA>                           0.5392814
## 2     2006845           <NA>                           0.3296458
## 3     2143905           <NA>                           0.5620565
## 4     2148649           <NA>                           0.3744149
##   CDisputed.fctr.Trn.All.X...gbm CDisputed.fctr.Trn.All.X...gbm.err
## 1                              Y                                 NA
## 2                              Y                                 NA
## 3                              Y                                 NA
## 4                              Y                                 NA
##   CDisputed.fctr.Trn.All.X...gbm.err.abs
## 1                                     NA
## 2                                     NA
## 3                                     NA
## 4                                     NA
##   CDisputed.fctr.Trn.All.X...gbm.is.acc
## 1                                    NA
## 2                                    NA
## 3                                    NA
## 4                                    NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.prob CDisputed.fctr.Trn.All.X..rcv.gbm
## 1                              0.4378269                                 Y
## 2                              0.4081054                                 Y
## 3                              0.5646520                                 Y
## 4                              0.6008686                                 Y
##   CDisputed.fctr.Trn.All.X..rcv.gbm.err
## 1                                    NA
## 2                                    NA
## 3                                    NA
## 4                                    NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.err.abs
## 1                                        NA
## 2                                        NA
## 3                                        NA
## 4                                        NA
##   CDisputed.fctr.Trn.All.X..rcv.gbm.is.acc
## 1                                       NA
## 2                                       NA
## 3                                       NA
## 4                                       NA
##   CDisputed.fctr.All.X..rcv.gbm.prob CDisputed.fctr.All.X..rcv.gbm
## 1                          0.4958411                             Y
## 2                          0.3015976                             Y
## 3                          0.5384280                             Y
## 4                          0.6273113                             Y
##   CDisputed.fctr.All.X..rcv.gbm.err CDisputed.fctr.All.X..rcv.gbm.err.abs
## 1                                NA                                    NA
## 2                                NA                                    NA
## 3                                NA                                    NA
## 4                                NA                                    NA
##   CDisputed.fctr.All.X..rcv.gbm.is.acc
## 1                                   NA
## 2                                   NA
## 3                                   NA
## 4                                   NA
##   CDisputed.fctr.Trn.All.X...gbm.accurate
## 1                                      NA
## 2                                      NA
## 3                                      NA
## 4                                      NA
##   CDisputed.fctr.Trn.All.X...gbm.error  .label
## 1                                    0 1145704
## 2                                    0 2006845
## 3                                    0 2143905
## 4                                    0 2148649
## Warning in glb_get_predictions(df = tileDf, mdl$.myId, rsp_var,
## prob_threshold): Using default probability threshold: 0.3
## Scale for 'colour' is already present. Adding another scale for
## 'colour', which will replace the existing scale.

## Loading required package: tidyr
## 
## Attaching package: 'tidyr'
## The following object is masked from 'package:Matrix':
## 
##     expand
## The following object is masked from 'package:reshape2':
## 
##     smiths
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm Y: min < min of Train range: 6"
##        ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.juliandate
## 92028      1724708                             Y                       1
## 92238      1725973                             Y                       3
## 231307     1727348                             Y                       4
## 326391     1179941                             Y                       4
## 463543     1178559                             Y                       2
## 464263     1179897                             Y                       4
##        Datesenttocompany.juliandate
## 92028                             1
## 92238                             3
## 231307                            4
## 326391                            4
## 463543                            2
## 464263                            4
##                                                        id       cor.y
## Datereceived.juliandate           Datereceived.juliandate -0.06767976
## Datesenttocompany.juliandate Datesenttocompany.juliandate -0.06767976
##                              exclude.as.feat  cor.y.abs
## Datereceived.juliandate                FALSE 0.06767976
## Datesenttocompany.juliandate           FALSE 0.06767976
##                                           cor.high.X freqRatio
## Datereceived.juliandate                         <NA>  1.532258
## Datesenttocompany.juliandate Datereceived.juliandate  1.532258
##                              percentUnique zeroVar   nzv is.cor.y.abs.low
## Datereceived.juliandate           12.37365   FALSE FALSE            FALSE
## Datesenttocompany.juliandate      12.37365   FALSE FALSE            FALSE
##                              interaction.feat shapiro.test.p.value
## Datereceived.juliandate                  <NA>         1.228256e-37
## Datesenttocompany.juliandate             <NA>         1.228256e-37
##                              rsp_var_raw id_var rsp_var max min
## Datereceived.juliandate            FALSE     NA      NA 365   1
## Datesenttocompany.juliandate       FALSE     NA      NA 365   1
##                              max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.juliandate                       365                  365
## Datesenttocompany.juliandate                  365                  365
##                              min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.juliandate                         2                    5
## Datesenttocompany.juliandate                    2                    5
##                              max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate                                      365
## Datesenttocompany.juliandate                                 365
##                              max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate                                      365
## Datesenttocompany.juliandate                                 365
##                              min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate                                        1
## Datesenttocompany.juliandate                                   1
##                              min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate                                        1
## Datesenttocompany.juliandate                                   1
##                              max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate                                       266
## Datesenttocompany.juliandate                                  266
##                              max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate                                       340
## Datesenttocompany.juliandate                                  340
##                              min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate                                        71
## Datesenttocompany.juliandate                                   71
##                              min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate                                       194
## Datesenttocompany.juliandate                                  194
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm Y: max > max of Train range: 3"
##        ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.last2.log1p
## 181456     1086443                             Y                 11.36675
## 187791     1172781                             Y                 12.97618
## 455386     1067244                             Y                 11.36675
##        Datereceived.last32.log1p Datereceived.last8.log1p
## 181456                  14.41127                 12.46536
## 187791                  14.25712                 13.31265
## 455386                  14.19996                 13.44619
##        Datesenttocompany.last2.log1p Datesenttocompany.last32.log1p
## 181456                      11.36675                       14.41127
## 187791                      12.97618                       14.25712
## 455386                      11.36675                       14.19996
##        Datesenttocompany.last8.log1p
## 181456                      12.46536
## 187791                      13.31265
## 455386                      13.44619
##                                                            id     cor.y
## Datereceived.last2.log1p             Datereceived.last2.log1p 0.1598495
## Datereceived.last32.log1p           Datereceived.last32.log1p 0.1220227
## Datereceived.last8.log1p             Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last2.log1p   Datesenttocompany.last2.log1p 0.1598495
## Datesenttocompany.last32.log1p Datesenttocompany.last32.log1p 0.1220227
## Datesenttocompany.last8.log1p   Datesenttocompany.last8.log1p 0.1641684
##                                exclude.as.feat cor.y.abs
## Datereceived.last2.log1p                 FALSE 0.1598495
## Datereceived.last32.log1p                FALSE 0.1220227
## Datereceived.last8.log1p                 FALSE 0.1641684
## Datesenttocompany.last2.log1p            FALSE 0.1598495
## Datesenttocompany.last32.log1p           FALSE 0.1220227
## Datesenttocompany.last8.log1p            FALSE 0.1641684
##                                               cor.high.X freqRatio
## Datereceived.last2.log1p                            <NA>  1.735692
## Datereceived.last32.log1p                           <NA>  1.244681
## Datereceived.last8.log1p                            <NA>  1.109428
## Datesenttocompany.last2.log1p   Datereceived.last2.log1p  1.735692
## Datesenttocompany.last32.log1p Datereceived.last32.log1p  1.244681
## Datesenttocompany.last8.log1p   Datereceived.last8.log1p  1.109428
##                                percentUnique zeroVar   nzv
## Datereceived.last2.log1p           0.2091321   FALSE FALSE
## Datereceived.last32.log1p          0.8016731   FALSE FALSE
## Datereceived.last8.log1p           0.3485535   FALSE FALSE
## Datesenttocompany.last2.log1p      0.2091321   FALSE FALSE
## Datesenttocompany.last32.log1p     0.8016731   FALSE FALSE
## Datesenttocompany.last8.log1p      0.3485535   FALSE FALSE
##                                is.cor.y.abs.low interaction.feat
## Datereceived.last2.log1p                  FALSE             <NA>
## Datereceived.last32.log1p                 FALSE             <NA>
## Datereceived.last8.log1p                  FALSE             <NA>
## Datesenttocompany.last2.log1p             FALSE             <NA>
## Datesenttocompany.last32.log1p            FALSE             <NA>
## Datesenttocompany.last8.log1p             FALSE             <NA>
##                                shapiro.test.p.value rsp_var_raw id_var
## Datereceived.last2.log1p               8.048167e-61       FALSE     NA
## Datereceived.last32.log1p              2.639137e-68       FALSE     NA
## Datereceived.last8.log1p               1.186397e-63       FALSE     NA
## Datesenttocompany.last2.log1p          8.048167e-61       FALSE     NA
## Datesenttocompany.last32.log1p         2.639137e-68       FALSE     NA
## Datesenttocompany.last8.log1p          1.186397e-63       FALSE     NA
##                                rsp_var      max min max.CDisputed.fctr.N
## Datereceived.last2.log1p            NA 12.97618   0             12.97618
## Datereceived.last32.log1p           NA 14.41127   0             14.45779
## Datereceived.last8.log1p            NA 13.76464   0             13.44619
## Datesenttocompany.last2.log1p       NA 12.97618   0             12.97618
## Datesenttocompany.last32.log1p      NA 14.41127   0             14.45779
## Datesenttocompany.last8.log1p       NA 13.76464   0             13.44619
##                                max.CDisputed.fctr.Y min.CDisputed.fctr.N
## Datereceived.last2.log1p                   12.75304                    0
## Datereceived.last32.log1p                  14.36248                    0
## Datereceived.last8.log1p                   13.31265                    0
## Datesenttocompany.last2.log1p              12.75304                    0
## Datesenttocompany.last32.log1p             14.36248                    0
## Datesenttocompany.last8.log1p              13.31265                    0
##                                min.CDisputed.fctr.Y
## Datereceived.last2.log1p                          0
## Datereceived.last32.log1p                         0
## Datereceived.last8.log1p                          0
## Datesenttocompany.last2.log1p                     0
## Datesenttocompany.last32.log1p                    0
## Datesenttocompany.last8.log1p                     0
##                                max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last2.log1p                                  12.97618
## Datereceived.last32.log1p                                 14.41127
## Datereceived.last8.log1p                                  13.76464
## Datesenttocompany.last2.log1p                             12.97618
## Datesenttocompany.last32.log1p                            14.41127
## Datesenttocompany.last8.log1p                             13.76464
##                                max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last2.log1p                                  12.97618
## Datereceived.last32.log1p                                 14.41127
## Datereceived.last8.log1p                                  13.44619
## Datesenttocompany.last2.log1p                             12.97618
## Datesenttocompany.last32.log1p                            14.41127
## Datesenttocompany.last8.log1p                             13.44619
##                                min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last2.log1p                                         0
## Datereceived.last32.log1p                                        0
## Datereceived.last8.log1p                                         0
## Datesenttocompany.last2.log1p                                    0
## Datesenttocompany.last32.log1p                                   0
## Datesenttocompany.last8.log1p                                    0
##                                min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last2.log1p                                   0.00000
## Datereceived.last32.log1p                                 12.75304
## Datereceived.last8.log1p                                   0.00000
## Datesenttocompany.last2.log1p                              0.00000
## Datesenttocompany.last32.log1p                            12.75304
## Datesenttocompany.last8.log1p                              0.00000
##                                max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last2.log1p                                   11.36675
## Datereceived.last32.log1p                                  13.93169
## Datereceived.last8.log1p                                   12.97618
## Datesenttocompany.last2.log1p                              11.36675
## Datesenttocompany.last32.log1p                             13.93169
## Datesenttocompany.last8.log1p                              12.97618
##                                max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last2.log1p                                   12.75304
## Datereceived.last32.log1p                                  14.19996
## Datereceived.last8.log1p                                   13.44619
## Datesenttocompany.last2.log1p                              12.75304
## Datesenttocompany.last32.log1p                             14.19996
## Datesenttocompany.last8.log1p                              13.44619
##                                min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last2.log1p                                    0.00000
## Datereceived.last32.log1p                                  13.31265
## Datereceived.last8.log1p                                   11.36675
## Datesenttocompany.last2.log1p                               0.00000
## Datesenttocompany.last32.log1p                             13.31265
## Datesenttocompany.last8.log1p                              11.36675
##                                min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last2.log1p                                    0.00000
## Datereceived.last32.log1p                                  13.31265
## Datereceived.last8.log1p                                   11.36675
## Datesenttocompany.last2.log1p                               0.00000
## Datesenttocompany.last32.log1p                             13.31265
## Datesenttocompany.last8.log1p                              11.36675
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm N: min < min of Train range: 1"
##        ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.juliandate
## 186792     1178048                             N                       1
##        Datesenttocompany.juliandate
## 186792                            1
##                                                        id       cor.y
## Datereceived.juliandate           Datereceived.juliandate -0.06767976
## Datesenttocompany.juliandate Datesenttocompany.juliandate -0.06767976
##                              exclude.as.feat  cor.y.abs
## Datereceived.juliandate                FALSE 0.06767976
## Datesenttocompany.juliandate           FALSE 0.06767976
##                                           cor.high.X freqRatio
## Datereceived.juliandate                         <NA>  1.532258
## Datesenttocompany.juliandate Datereceived.juliandate  1.532258
##                              percentUnique zeroVar   nzv is.cor.y.abs.low
## Datereceived.juliandate           12.37365   FALSE FALSE            FALSE
## Datesenttocompany.juliandate      12.37365   FALSE FALSE            FALSE
##                              interaction.feat shapiro.test.p.value
## Datereceived.juliandate                  <NA>         1.228256e-37
## Datesenttocompany.juliandate             <NA>         1.228256e-37
##                              rsp_var_raw id_var rsp_var max min
## Datereceived.juliandate            FALSE     NA      NA 365   1
## Datesenttocompany.juliandate       FALSE     NA      NA 365   1
##                              max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.juliandate                       365                  365
## Datesenttocompany.juliandate                  365                  365
##                              min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.juliandate                         2                    5
## Datesenttocompany.juliandate                    2                    5
##                              max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate                                      365
## Datesenttocompany.juliandate                                 365
##                              max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate                                      365
## Datesenttocompany.juliandate                                 365
##                              min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.juliandate                                        1
## Datesenttocompany.juliandate                                   1
##                              min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.juliandate                                        1
## Datesenttocompany.juliandate                                   1
##                              max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate                                       266
## Datesenttocompany.juliandate                                  266
##                              max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate                                       340
## Datesenttocompany.juliandate                                  340
##                              min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.juliandate                                        71
## Datesenttocompany.juliandate                                   71
##                              min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.juliandate                                       194
## Datesenttocompany.juliandate                                  194
## [1] "OOBobs CDisputed.fctr.All.X..rcv.gbm N: max > max of Train range: 2"
##        ComplaintID CDisputed.fctr.All.X..rcv.gbm Datereceived.last16.log1p
## 43666      1073908                             N                   14.0058
## 179644     1069277                             N                   14.0058
##        Datereceived.last8.log1p Datesenttocompany.last16.log1p
## 43666                  13.15850                        14.0058
## 179644                 13.76464                        14.0058
##        Datesenttocompany.last8.log1p
## 43666                       13.15850
## 179644                      13.76464
##                                                            id     cor.y
## Datereceived.last16.log1p           Datereceived.last16.log1p 0.1508928
## Datereceived.last8.log1p             Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last16.log1p Datesenttocompany.last16.log1p 0.1508928
## Datesenttocompany.last8.log1p   Datesenttocompany.last8.log1p 0.1641684
##                                exclude.as.feat cor.y.abs
## Datereceived.last16.log1p                FALSE 0.1508928
## Datereceived.last8.log1p                 FALSE 0.1641684
## Datesenttocompany.last16.log1p           FALSE 0.1508928
## Datesenttocompany.last8.log1p            FALSE 0.1641684
##                                               cor.high.X freqRatio
## Datereceived.last16.log1p       Datereceived.last8.log1p  1.096698
## Datereceived.last8.log1p                            <NA>  1.109428
## Datesenttocompany.last16.log1p Datereceived.last16.log1p  1.096698
## Datesenttocompany.last8.log1p   Datereceived.last8.log1p  1.109428
##                                percentUnique zeroVar   nzv
## Datereceived.last16.log1p          0.5228303   FALSE FALSE
## Datereceived.last8.log1p           0.3485535   FALSE FALSE
## Datesenttocompany.last16.log1p     0.5228303   FALSE FALSE
## Datesenttocompany.last8.log1p      0.3485535   FALSE FALSE
##                                is.cor.y.abs.low interaction.feat
## Datereceived.last16.log1p                 FALSE             <NA>
## Datereceived.last8.log1p                  FALSE             <NA>
## Datesenttocompany.last16.log1p            FALSE             <NA>
## Datesenttocompany.last8.log1p             FALSE             <NA>
##                                shapiro.test.p.value rsp_var_raw id_var
## Datereceived.last16.log1p              4.805450e-66       FALSE     NA
## Datereceived.last8.log1p               1.186397e-63       FALSE     NA
## Datesenttocompany.last16.log1p         4.805450e-66       FALSE     NA
## Datesenttocompany.last8.log1p          1.186397e-63       FALSE     NA
##                                rsp_var      max min max.CDisputed.fctr.N
## Datereceived.last16.log1p           NA 14.00580   0             13.93169
## Datereceived.last8.log1p            NA 13.76464   0             13.44619
## Datesenttocompany.last16.log1p      NA 14.00580   0             13.93169
## Datesenttocompany.last8.log1p       NA 13.76464   0             13.44619
##                                max.CDisputed.fctr.Y min.CDisputed.fctr.N
## Datereceived.last16.log1p                  13.93169                    0
## Datereceived.last8.log1p                   13.31265                    0
## Datesenttocompany.last16.log1p             13.93169                    0
## Datesenttocompany.last8.log1p              13.31265                    0
##                                min.CDisputed.fctr.Y
## Datereceived.last16.log1p                         0
## Datereceived.last8.log1p                          0
## Datesenttocompany.last16.log1p                    0
## Datesenttocompany.last8.log1p                     0
##                                max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last16.log1p                                 14.00580
## Datereceived.last8.log1p                                  13.76464
## Datesenttocompany.last16.log1p                            14.00580
## Datesenttocompany.last8.log1p                             13.76464
##                                max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last16.log1p                                 13.85165
## Datereceived.last8.log1p                                  13.44619
## Datesenttocompany.last16.log1p                            13.85165
## Datesenttocompany.last8.log1p                             13.44619
##                                min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last16.log1p                                        0
## Datereceived.last8.log1p                                         0
## Datesenttocompany.last16.log1p                                   0
## Datesenttocompany.last8.log1p                                    0
##                                min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last16.log1p                                 11.36675
## Datereceived.last8.log1p                                   0.00000
## Datesenttocompany.last16.log1p                            11.36675
## Datesenttocompany.last8.log1p                              0.00000
##                                max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last16.log1p                                  13.44619
## Datereceived.last8.log1p                                   12.97618
## Datesenttocompany.last16.log1p                             13.44619
## Datesenttocompany.last8.log1p                              12.97618
##                                max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last16.log1p                                  13.85165
## Datereceived.last8.log1p                                   13.44619
## Datesenttocompany.last16.log1p                             13.85165
## Datesenttocompany.last8.log1p                              13.44619
##                                min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last16.log1p                                  12.05990
## Datereceived.last8.log1p                                   11.36675
## Datesenttocompany.last16.log1p                             12.05990
## Datesenttocompany.last8.log1p                              11.36675
##                                min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last16.log1p                                  12.05990
## Datereceived.last8.log1p                                   11.36675
## Datesenttocompany.last16.log1p                             12.05990
## Datesenttocompany.last8.log1p                              11.36675
## [1] "OOBobs total range outliers: 12"
## [1] "newobs CDisputed.fctr.Trn.All.X...gbm Y: max > max of Train range: 1"
##        ComplaintID CDisputed.fctr.Trn.All.X...gbm Datereceived.last8.log1p
## 646016     2148649                              Y                 13.44619
##        Datesenttocompany.last8.log1p
## 646016                      13.44619
##                                                          id     cor.y
## Datereceived.last8.log1p           Datereceived.last8.log1p 0.1641684
## Datesenttocompany.last8.log1p Datesenttocompany.last8.log1p 0.1641684
##                               exclude.as.feat cor.y.abs
## Datereceived.last8.log1p                FALSE 0.1641684
## Datesenttocompany.last8.log1p           FALSE 0.1641684
##                                             cor.high.X freqRatio
## Datereceived.last8.log1p                          <NA>  1.109428
## Datesenttocompany.last8.log1p Datereceived.last8.log1p  1.109428
##                               percentUnique zeroVar   nzv is.cor.y.abs.low
## Datereceived.last8.log1p          0.3485535   FALSE FALSE            FALSE
## Datesenttocompany.last8.log1p     0.3485535   FALSE FALSE            FALSE
##                               interaction.feat shapiro.test.p.value
## Datereceived.last8.log1p                  <NA>         1.186397e-63
## Datesenttocompany.last8.log1p             <NA>         1.186397e-63
##                               rsp_var_raw id_var rsp_var      max min
## Datereceived.last8.log1p            FALSE     NA      NA 13.76464   0
## Datesenttocompany.last8.log1p       FALSE     NA      NA 13.76464   0
##                               max.CDisputed.fctr.N max.CDisputed.fctr.Y
## Datereceived.last8.log1p                  13.76464             13.31265
## Datesenttocompany.last8.log1p             13.76464             13.31265
##                               min.CDisputed.fctr.N min.CDisputed.fctr.Y
## Datereceived.last8.log1p                         0                    0
## Datesenttocompany.last8.log1p                    0                    0
##                               max.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last8.log1p                                 13.76464
## Datesenttocompany.last8.log1p                            13.76464
##                               max.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last8.log1p                                 13.44619
## Datesenttocompany.last8.log1p                            13.44619
##                               min.CDisputed.fctr.All.X..rcv.gbm.N
## Datereceived.last8.log1p                                        0
## Datesenttocompany.last8.log1p                                   0
##                               min.CDisputed.fctr.All.X..rcv.gbm.Y
## Datereceived.last8.log1p                                        0
## Datesenttocompany.last8.log1p                                   0
##                               max.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last8.log1p                                  12.97618
## Datesenttocompany.last8.log1p                             12.97618
##                               max.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last8.log1p                                  13.44619
## Datesenttocompany.last8.log1p                             13.44619
##                               min.CDisputed.fctr.Trn.All.X...gbm.N
## Datereceived.last8.log1p                                  11.36675
## Datesenttocompany.last8.log1p                             11.36675
##                               min.CDisputed.fctr.Trn.All.X...gbm.Y
## Datereceived.last8.log1p                                  11.36675
## Datesenttocompany.last8.log1p                             11.36675
## [1] "newobs total range outliers: 1"
## [1] 0.3
## [1] "glbMdlSltId: All.X##rcv#gbm"
## [1] "glbMdlFnlNslId: Trn.All.X###gbm"
## [1] "Cross Validation issues:"
## Warning in glbgetDisplayModelsDf(): Cross Validation issues:
##        MFO###myMFO_classfr  Random###myrandom_classfr 
##                          0                          0 
## Max.cor.Y.rcv.1X1###glmnet       Max.cor.Y##rcv#rpart 
##                          0                          1 
##            Trn.All.X###gbm 
##                          0
##                                max.Accuracy.OOB max.AUCROCR.OOB
## MFO###myMFO_classfr                   0.9442988       0.5000000
## Max.cor.Y##rcv#rpart                  0.9442988       0.5000000
## All.X##rcv#gbm                        0.7103539       0.7077030
## Random###myrandom_classfr             0.7038008       0.5110422
## Low.cor.X##rcv#glmnet                 0.7011796       0.7259379
## All.X##rcv#bayesglm                   0.6625164       0.7226068
## All.X##rcv#glm                        0.6467890       0.7239744
## Max.cor.Y.Time.Lag##rcv#glmnet        0.6310616       0.6912112
## All.X##rcv#glmnet                     0.6028834       0.7250398
## Max.cor.Y.rcv.1X1###glmnet            0.5688073       0.6828591
## All.X##rcv#rf                         0.5543906       0.7074458
## Trn.All.X###gbm                              NA              NA
## Trn.All.X##rcv#gbm                           NA              NA
##                                max.AUCpROC.OOB min.elapsedtime.everything
## MFO###myMFO_classfr                  0.5000000                      0.244
## Max.cor.Y##rcv#rpart                 0.5000000                      1.261
## All.X##rcv#gbm                       0.5656652                     87.690
## Random###myrandom_classfr            0.4916929                      0.171
## Low.cor.X##rcv#glmnet                0.5926644                      8.038
## All.X##rcv#bayesglm                  0.6116177                     18.642
## All.X##rcv#glm                       0.6230191                     28.982
## Max.cor.Y.Time.Lag##rcv#glmnet       0.5000000                      2.699
## All.X##rcv#glmnet                    0.5895416                     11.569
## Max.cor.Y.rcv.1X1###glmnet           0.5000000                      0.551
## All.X##rcv#rf                        0.5715312                     14.064
## Trn.All.X###gbm                             NA                      2.037
## Trn.All.X##rcv#gbm                          NA                    106.250
##                                max.Accuracy.fit opt.prob.threshold.fit
## MFO###myMFO_classfr                   0.7379002                   0.50
## Max.cor.Y##rcv#rpart                  0.7297093                   0.50
## All.X##rcv#gbm                        0.7533073                   0.25
## Random###myrandom_classfr             0.6284438                   0.50
## Low.cor.X##rcv#glmnet                 0.7547889                   0.30
## All.X##rcv#bayesglm                   0.7346774                   0.25
## All.X##rcv#glm                        0.7329529                   0.30
## Max.cor.Y.Time.Lag##rcv#glmnet        0.7379029                   0.25
## All.X##rcv#glmnet                     0.7552798                   0.30
## Max.cor.Y.rcv.1X1###glmnet            0.6113179                   0.25
## All.X##rcv#rf                         0.9992554                   0.45
## Trn.All.X###gbm                       0.7510574                   0.30
## Trn.All.X##rcv#gbm                    0.7557051                   0.30
##                                opt.prob.threshold.OOB
## MFO###myMFO_classfr                              0.50
## Max.cor.Y##rcv#rpart                             0.50
## All.X##rcv#gbm                                   0.30
## Random###myrandom_classfr                        0.50
## Low.cor.X##rcv#glmnet                            0.30
## All.X##rcv#bayesglm                              0.25
## All.X##rcv#glm                                   0.25
## Max.cor.Y.Time.Lag##rcv#glmnet                   0.30
## All.X##rcv#glmnet                                0.25
## Max.cor.Y.rcv.1X1###glmnet                       0.35
## All.X##rcv#rf                                    0.25
## Trn.All.X###gbm                                    NA
## Trn.All.X##rcv#gbm                                 NA
## [1] "All.X##rcv#gbm OOB confusion matrix & accuracy: "
##          Prediction
## Reference    N    Y
##         N 1033  408
##         Y   34   51
##                              err.abs.fit.sum err.abs.OOB.sum
## Giftormerchantcard                  42.85137        52.41608
## Mobilewallet                        60.60787        43.11740
## Other                               30.83500        25.78569
## Governmentbenefitpaymentcard        32.99037        43.06197
## Generalpurposecard                 196.14784       177.78047
## IDprepaidcard                       21.76967        20.63839
## Payrollcard                         31.12132        23.78979
##                              err.abs.trn.sum err.abs.new.sum
## Giftormerchantcard                  61.53673              NA
## Mobilewallet                        69.85060              NA
## Other                               36.16975              NA
## Governmentbenefitpaymentcard        46.52159              NA
## Generalpurposecard                 240.20920              NA
## IDprepaidcard                       28.57649              NA
## Payrollcard                         40.29361              NA
##                              .freqRatio.Fit .freqRatio.OOB .freqRatio.Tst
## Giftormerchantcard               0.08488459     0.10484928     0.12727273
## Mobilewallet                     0.11988086     0.09501966     0.10909091
## Other                            0.06850335     0.05832241     0.05454545
## Governmentbenefitpaymentcard     0.07297096     0.10681520     0.13333333
## Generalpurposecard               0.47803425     0.45806029     0.41818182
## IDprepaidcard                    0.05361132     0.06159895     0.04848485
## Payrollcard                      0.12211467     0.11533421     0.10909091
##                              .n.Fit .n.New.N .n.New.Y .n.OOB .n.Trn.N
## Giftormerchantcard              114        6       15    160      103
## Mobilewallet                    161        5       13    145      120
## Other                            92        4        5     89       76
## Governmentbenefitpaymentcard     98       12       10    163      104
## Generalpurposecard              642       24       45    699      576
## IDprepaidcard                    72        6        2     94       70
## Payrollcard                     164        5       13    176      169
##                              .n.Trn.Y .n.Tst .n.fit .n.new .n.trn
## Giftormerchantcard                 52     21    114     21    155
## Mobilewallet                       66     18    161     18    186
## Other                              31      9     92      9    107
## Governmentbenefitpaymentcard       37     22     98     22    141
## Generalpurposecard                203     69    642     69    779
## IDprepaidcard                      24      8     72      8     94
## Payrollcard                        24     18    164     18    193
##                              err.abs.OOB.mean err.abs.fit.mean
## Giftormerchantcard                  0.3276005        0.3758892
## Mobilewallet                        0.2973614        0.3764464
## Other                               0.2897269        0.3351631
## Governmentbenefitpaymentcard        0.2641838        0.3366364
## Generalpurposecard                  0.2543354        0.3055262
## IDprepaidcard                       0.2195573        0.3023565
## Payrollcard                         0.1351693        0.1897641
##                              err.abs.new.mean err.abs.trn.mean
## Giftormerchantcard                         NA        0.3970111
## Mobilewallet                               NA        0.3755408
## Other                                      NA        0.3380350
## Governmentbenefitpaymentcard               NA        0.3299403
## Generalpurposecard                         NA        0.3083558
## IDprepaidcard                              NA        0.3040053
## Payrollcard                                NA        0.2087752
##  err.abs.fit.sum  err.abs.OOB.sum  err.abs.trn.sum  err.abs.new.sum 
##       416.323436       386.589779       523.157964               NA 
##   .freqRatio.Fit   .freqRatio.OOB   .freqRatio.Tst           .n.Fit 
##         1.000000         1.000000         1.000000      1343.000000 
##         .n.New.N         .n.New.Y           .n.OOB         .n.Trn.N 
##        62.000000       103.000000      1526.000000      1218.000000 
##         .n.Trn.Y           .n.Tst           .n.fit           .n.new 
##       437.000000       165.000000      1343.000000       165.000000 
##           .n.trn err.abs.OOB.mean err.abs.fit.mean err.abs.new.mean 
##      1655.000000         1.787935         2.221782               NA 
## err.abs.trn.mean 
##         2.261664
## [1] "Features Importance for selected models:"
##                                               All.X..rcv.gbm.imp
## Datereceived.juliandate                                100.00000
## Datereceived.last32.log1p                               89.49955
## .rnorm                                                  85.88844
## Response.fctrClosedwithmonetaryrelief                   64.73965
## gCompany.fctrAmex                                       64.26556
## Datereceived.last16.log1p                               39.75914
## Datereceived.last2.log1p                                36.86339
## Datereceived.last4.log1p                                36.00829
## Sent.Recd.Dys                                           26.34026
## Datereceived.month.fctr07                               26.27207
## Datereceived.year.fctr2016                              22.05966
## Datereceived.last8.log1p                                19.53120
## Sent.Recd.Dys.nexp                                      17.99416
## Datereceived.wkend                                      17.61258
## Channel.fctrPhone                                       17.01742
## Response.fctrClosedwithnon-monetaryrelief               14.69259
## gTags.fctrServicemember                                 13.61534
## gCompany.fctrCitibank                                   12.57559
## gCompany.fctrNetSpendCorporation,aTSYSCompany           12.02773
## Rgn.Dvn.fctrWT#Pacific                                  11.90039
## Datereceived.month.fctr06                               11.08529
## Datereceived.month.fctr09                               10.96181
## gSPrd.fctrMobilewallet                                  10.57322
## Channel.fctrReferral                                    10.23520
## Datereceived.month.fctr05                               10.08485
## gCompany.fctrBlackhawkNetworkHoldingsInc.                0.00000
##                                               Trn.All.X...gbm.imp
## Datereceived.juliandate                                100.000000
## Datereceived.last32.log1p                               64.791163
## .rnorm                                                  54.479052
## Response.fctrClosedwithmonetaryrelief                   47.121856
## gCompany.fctrAmex                                       39.260712
## Datereceived.last16.log1p                               63.368012
## Datereceived.last2.log1p                                32.731839
## Datereceived.last4.log1p                                10.344022
## Sent.Recd.Dys                                           18.586459
## Datereceived.month.fctr07                                4.969147
## Datereceived.year.fctr2016                              26.372320
## Datereceived.last8.log1p                                16.104081
## Sent.Recd.Dys.nexp                                       6.918508
## Datereceived.wkend                                       5.092045
## Channel.fctrPhone                                       10.063702
## Response.fctrClosedwithnon-monetaryrelief               25.287916
## gTags.fctrServicemember                                 11.728233
## gCompany.fctrCitibank                                    8.544567
## gCompany.fctrNetSpendCorporation,aTSYSCompany           20.232558
## Rgn.Dvn.fctrWT#Pacific                                  14.652242
## Datereceived.month.fctr06                                6.358322
## Datereceived.month.fctr09                                2.229747
## gSPrd.fctrMobilewallet                                   4.308642
## Channel.fctrReferral                                     5.352747
## Datereceived.month.fctr05                               23.453439
## gCompany.fctrBlackhawkNetworkHoldingsInc.               10.265817
## [1] "glbObsNew prediction stats:"
## 
##   N   Y 
##  62 103
##                  label step_major step_minor label_minor      bgn      end
## 8     predict.data.new          4          0           0 1153.384 1163.389
## 9 display.session.info          5          0           0 1163.389       NA
##   elapsed
## 8  10.005
## 9      NA
## [1] "Saving file:data/CFPB-PrepaidCard-RestU-02_Results.RData; Objects:glb2Sav,glbClusterEntropyVar,glbCores,glbFctrMaxUniqVals,glbFeatsCategory,glbFeatsCluster,glbFeatsClusterVarsExclude,glbFeatsDateTime,glbFeatsDerive,glbFeatsDrop,glbFeatsExclude,glbFeatsId,glbFeatsImage,glbFeatsInteractionOnly,glbFeatsNzvFreqMax,glbFeatsNzvUniqMin,glbFeatsPrice,glbFeatsText,glbFeatsTextAssocCor,glbFeatsTextFilter,glbFeatsTextPatterns,glbFeatsTextSeed,glbFeatsTextSynonyms,glbFeatsTextTermsMax,glbLvlCategory,glbMdlCheckRcv,glbMdlEnsemble,glbMdlEnsembleSampleMethods,glbMdlFamilies,glbMdlFnlId,glbMdlFnlNsl,glbMdlFnlNslId,glbMdlFnlRslId,glbMdlMethods,glbMdlMetricMaximize,glbMdlMetricSummary,glbMdlMetricSummaryFn,glbMdlMetric_terms,glbMdlMetricsEval,glbMdlPreprocMethods,glbMdlSequential,glbMdlSlt,glbMdlSltId,glbMdlTuneParams,glbObsAll,glbObsDropCondition,glbObsFit,glbObsFitOutliers,glbObsNew,glbObsNewFile,glbObsOOB,glbObsOut,glbObsTrn,glbObsTrnFile,glbObsTrnOutliers,glbObsTrnPartitionSeed,glbOut,glbOutDataVizFname,glbOutStackFnames,glbRFEResults,glbRFESizes,glb_Baseline_mdl_var,glb_analytics_avl_objs,glb_analytics_diag_plots,glb_analytics_pn,glb_chk_data,glb_chunks_df,glb_clf_proba_threshold,glb_cluster.seed,glb_cluster_size_df_lst,glb_dsp_cols,glb_feats_df,glb_featsimp_df,glb_get_predictions,glb_important_terms,glb_impute_na_data,glb_interaction_only_feats,glb_is_binomial,glb_is_classification,glb_is_regression,glb_map_rsp_raw_to_var,glb_map_rsp_var_to_raw,glb_map_urls,glb_map_vars,glb_max_fitobs,glb_mdl_feats_lst,glb_mice_complete.seed,glb_model_type,glb_models_df,glb_models_lst,glb_obs_repartition_train_condition,glb_out_obs,glb_rcv_n_folds,glb_rcv_n_repeats,glb_rsp_var,glb_rsp_var_raw,glb_sprs_thresholds,glb_txt_cor_var,glb_txt_munge_filenames_pfx,glb_txt_stop_words,glb_txt_terms_control,glbgetDisplayModelsDf,glbgetModelSelectFormula,sync_glb_obs_df"
##               label step_major step_minor label_minor      bgn      end
## 7 fit.data.training          3          1           1  474.423 1153.384
## 3        fit.models          2          1           1   60.687  264.830
## 6 fit.data.training          3          0           0  357.211  474.422
## 4        fit.models          2          2           2  264.831  354.054
## 2        fit.models          2          0           0    9.955   60.686
## 8  predict.data.new          4          0           0 1153.384 1163.389
## 1   select.features          1          0           0    4.218    9.955
## 5        fit.models          2          3           3  354.055  357.211
##   elapsed duration
## 7 678.961  678.961
## 3 204.143  204.143
## 6 117.211  117.211
## 4  89.224   89.223
## 2  50.732   50.731
## 8  10.005   10.005
## 1   5.737    5.737
## 5   3.156    3.156
## [1] "Total Elapsed Time: 1,163.389 secs"